Abstract
With the rapid development of mobile Internet and artificial intelligence, young and middle-aged people are enjoying the convenience of online shopping, ordering food, buying groceries, transferring money and so on, while at the same time the elderly are suffering from difficulties in payment, traveling, medical care, shopping and so on, which has become a "digital divide" in front of the elderly. According to the data released by the National Bureau of Statistics at the end of 2022, China's population aged 60 and above is 28,040,000, accounting for as much as 19.8% of the total population, of which 209,780,000 are aged 65 and above, accounting for nearly 15%, which means that China is facing the problem of deep aging. Therefore, how to promote the reform of aging and provide financial services suitable for the elderly has become a new opportunity for commercial banks to enhance their market competitiveness and overtake in the "silver economy".
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