Competenze digitali e finanziarie nel primo lockdown: l’impatto sul benessere finanziario degli anziani

In Italy, the older age group exhibits significantly lower levels of digital skills, usage, and access to digital devices compared to adults. This digital gap is compounded by a similar gap in financial literacy, both of which are crucial for financial well-being. This paper analyzes how digital literacy, financial literacy, and digital financial literacy influence the perception of changes in financial well-being following the onset of the COVID-19 pandemic. The study presents findings from a quantitative survey conducted among 328 older individuals, representative of the national population by gender and age group, residing in the northern regions most affected by the pandemic and capable of responding to an online questionnaire. The results indicate that digital literacy played a protective role in mitigating a perceived deterioration of one’s economic situation, whereas financial literacy alone did not have the same effect.