As the aging trend intensifies, the Chinese government prioritizes technological innovation in smart elderly care services to enhance quality and efficiency, catering to the diverse needs of the elderly. This study examines the acceptance and usage behavior of smart elderly care services among elderly individuals in Xi’an, using a modified Unified Theory of Acceptance and Use of Technology (UTAUT) model that includes digital literacy as a moderating variable. Data were collected via a survey of 299 elderly individuals aged 60 and above in Xi’an. The study aims to identify factors influencing the acceptance and usage behavior of smart elderly care services and to understand how digital literacy moderates the relationship between these factors and usage behavior. Regression analysis assessed the direct effects of Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC) on usage behavior. These dimensions were then integrated into a comprehensive index Service Acceptance to evaluate their overall impact on usage behavior, with behavioral intention examined as a potential mediating variable. Results indicate that EE and SI significantly impact the adoption of smart elderly care services, whereas PE and FC do not. Behavioral intention mediates the relationship between these variables and usage behavior. Additionally, gender, age, and digital literacy significantly moderate the impact of service acceptance on usage behavior. This study provides valuable theoretical and practical insights for designing and promoting smart elderly care services, emphasizing the importance of usability and social promotion to enhance the quality of life for the elderly.

Background: People who are financially literate are able to make sound decisions regarding their money since they have a firm grasp of the fundamentals of money and financial products. The significance of financial literacy has been acknowledged by numerous nations, prompting the formation of task teams to assess their populations and develop educational and outreach programs. The requirement to make educated decisions about ever-increasing financial goods necessitates a higher level of financial literacy. Aim: Being able to make sense of one’s personal financial situation is becoming an increasingly valuable skill in today’s world. One of the most essential components for making sure and successful decisions is having a good grip on one’s financial status. By contrast, financial literacy refers to an individual’s level of knowledge and awareness regarding financial matters, whereas investors’ decision-making is characterised by their understanding, prediction, investigation, and assessment of the various stages and transactions involved in making an investment decision. Risk, a decision-making framework and process, and investing itself are all components of investing. Method: Researchers will conduct a cross-sectional survey of Saudi Arabian investors. We used a structured questionnaire to gather data. Using “Cronbach’s a and confirmatory factors” analysis, we checked whether the data is reliable. The links between financial literacy and investment decisions was demonstrated using structural equation modeling (SEM) in IBM-SPSS and SmartPLS. Purpose: The purpose of this research is to look at how the investment choices of Saudi Arabians are correlated with their degree of financial literacy. Consequently, research on the connection between financial literacy, knowledge, behaviour, and investment choices is lacking. Researchers on this subject have already acknowledged the problem’s importance and intended to devote substantial time and energy to solving it. Findings: The study concluded that there was a significant relationship between financial literacy and financial knowledge with respect of investment decision of investors. Similarly, there was a significant relationship between financial behaviour and financial knowledge with respect of investment decision of investors. The discovery of the outcomes will enable regulatory authorities to aid investors in preventing financial losses by furnishing them with sufficient financial information.

Financial literacy is an essential life skill today and plays a crucial role in business success. This study examined the relationship between college students’ financial literacy, financial management behavior, and entrepreneurial opportunity recognition. A survey was conducted among college students in the Busan and Gyeongnam regions, and a total of 272 responses were analyzed using SPSS 28.0. The results showed that financial literacy partially positively affects financial management behavior. Furthermore, financial management behavior positively influences entrepreneurial opportunity recognition. Financial management behavior partially mediates the relationship between financial literacy and entrepreneurial opportunity recognition. Improving the financial literacy of college students during adolescence serves as a motivation for entrepreneurship and significantly impacts their exploration and practice of various income activities to achieve their expected future living standards. The study’s findings indicate that for potential entrepreneurs, recognizing and promoting entrepreneurship as a source of innovation and growth requires incorporating financial literacy and desirable financial management behavior education into university curricula.

This study aims to analyze the effect of financial literacy and financial education on digital financial inclusion in Mexico. The analysis is carried out with 13,554 data from the National Survey of Financial Inclusion 2021, corresponding to Mexican adults who use digital financial services. The population under study comprises people over 18 years old, residing in Mexico, disaggregated by size of locality, and divided into six geographical regions. The dichotomous Probit model is used to estimate the effect of financial literacy and sociodemographic variables on digital financial inclusion. The results show that financial literacy and financial education have a marginal effect, of 0.94% and 4.42%, respectively, on digital financial services. Results also show that the marginal effect of financial literacy and financial education is greater on the use of mobile payments than on the acquisition of online accounts or apps and online credit. The results also show that gender, locality size, educational level, income and asset holding have a statistically significant relationship with the use of digital financial services. The findings confirm that financial literacy and financial education contribute to the digital financial inclusion of Mexicans, in this sense, providing financial education can especially benefit vulnerable population groups such as those living in rural areas and those with low income and low education levels.

This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.