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

Journal title SALUTE E SOCIETÀ
Author/s Emanuela Emilia Rinaldi, Nicola Strizzolo
Publishing Year 2022 Issue 2022/3 Language Italian
Pages 17 P. 47-63 File size 427 KB
DOI 10.3280/SES2022-003004
DOI is like a bar code for intellectual property: to have more infomation click here

Below, you can see the article first page

If you want to buy this article in PDF format, you can do it, following the instructions to buy download credits

Article preview

FrancoAngeli is member of Publishers International Linking Association, Inc (PILA), a not-for-profit association which run the CrossRef service enabling links to and from online scholarly content.

In Italy, the older age group is characterised by a significantly lower level of digital skills, us-age and equipment than adults. This gap overlaps with that of financial skills, which are essen-tial for financial well-being. The paper analyse how digital literacy, financial literacy and digital financial literacy influence the perception of a chance in one’s financial wellbeing after the ar-rival of COVID-19 pandemic. The study comments on the main findings of a quantitative survey on 328 older people, repre-sentative of the national population by gender and age group, living in the northern regions most affected by the pandemic and able to answer an online questionnaire. The results indicate that digital literacy helped protect against a worsening of one’s (perceived) economic situation, but not financial literacy.

Keywords: Older adults; COVID-19; financial literacy; digital literacy; perceived financial well-being; digital divide.

  1. Alù A., Longo A., (2020). Cos’è il digital divide, nuova discriminazione sociale (e culturale). -- Testo disponible al sito: https://www.agendadigitale.eu/infrastrutture/il-digital-divide-culturale-e-una-nuova-discriminazione-sociale/ (01/11/2021).
  2. Arber S., Fenn K., Meadows R. (2014). Subjective financial well-being, income and health inequalities in mid and later life in Britain. Social Science & Medicine, 100: 12-20.
  3. Aresi G., Bichi R., Ellena M.A., Introini F., Luppi F., Marta E., Martinez D., Mesa D., Pasqualini C., Pistoni C, Rosina A., Triani P. (2020). Giovani ai tempi del coronavirus. Una generazione in lockdown che sogna un futuro diverso. Milano: Vita e Pensiero.
  4. Avveduto S. (2019). La società digitale: genere e digital divide. Comunicazione, 57: 65-83. DOI: 10.3280/SC2019-05700
  5. Ayalon L., Chasteen A., Diehl M., Levy B.R., Neupert S.D., Rothermund K., Tesch-Römer C., Wahl H.W. (2021). Aging in Times of the COVID-19 Pandemic: Avoiding Ageism and Fostering Intergenerational Solidarity. J Gerontol B Psychol Sci Soc Sci, 76: 49-52.
  6. Beaunoyer E., Dupéré S., Guitton M.J. (2020). COVID-19 and digital inequalities: Reciprocal impacts and mitigation strategies. Computers in human behavior, 111: 106424.
  7. Bianco M. (2022). Disegni di legge nn. 2307, 50 e 1154. Insegnamento dell’educazione economica e finanziaria. Audizione della Capo del Dipartimento. Tutela della clientela ed educazione finanziaria della Banca d’Italia.
  8. Bracciale R. (2011). Donne nella rete – Disuguaglianze digitali di genere. Milano: FrancoAngeli.
  9. Bramanti D., Meda S.G. (2015). Anziani attivi in Italia: engagement e benessere tra ricomposizione e ritiro. In Bassi A., Moro G., a cura di, Politiche sociali innovative e diritti di cittadinanza. Milano: FrancoAngeli.
  10. Cappellato V., Gardella Tedeschi B., Mercuri E. (2021). Anziani: Diritti, bisogni, prospettive: Un’indagine giuridica e sociologica. Bologna: Il Mulino.
  11. Cappellato V., Mercuri E. (2021). Anziani e «invecchiamento attivo» durante l’emergenza Covid-19. Cambio. Rivista sulle trasformazioni sociali, OpenLab on Covid-19.
  12. Chetty K., Liu Q., Li W., Josie J., Gcora N., Ben S. (2017). Bridging the Digital Divide: Measuring Digital Literacy. G20 Insights. Economics: The Open-Access, Open-Assessment E-Journal, 12(2018-23): 1-20.
  13. Chhatwani M., Mishra S.K. (2021). Does financial literacy reduce financial fragility during COVID-19? The moderation effect of psychological, economic and social factors. International Journal of Bank Marketing, 39: 1114-1133. DOI: 10.1108/IJBM-11-2020-053
  14. Clark R.L., Lusardi A., Mitchell O.S. (2021). Financial fragility during the COVID-19 Pandemic. AEA Papers and Proceedings, 111: 292-96.
  15. Consumer Financial Protection Bureau (2015). Financial well-being: The goal of financial education, July, report.
  16. D’Alessio G., De Bonis R., Neri A. (2020). L’alfabetizzazione finanziaria degli italiani: i risultati dell’indagine della Banca d’Italia del 2020. Bank of Italy Occasional Paper, 588.
  17. Dagnes J. (2018). Finanza e vita quotidiana: la finanziarizzazione delle famiglie italiane. Quaderni di Sociologia, 76: 35-56.
  18. Di Salvatore A., Franceschi F., Neri A., Zanichelli F. (2018). Measuring the financial literacy of the adult population: the experience of Banca d’Italia. Bank of Italy Occasional Paper, 435.
  19. Doxa (2020), Una nuova normalità: tendenze di prodotto e servizio nel futuro post Covid-19. -- Testo disponibile al sito: https://www.bva-doxa.com/una-nuova-normalita-tendenze-di-prodotto-e-servizio-nel-futuro-post-covid-19/ (27/04/2022).
  20. Giallonardo V., Sampogna G., Del Vecchio V., Luciano M., Albert U., Carmassi C., Carrà G., Cirulli F., Dell’Osso B., Nanni M.G., Pompili M., Sani G., Tortorella A., Volpe U., Fiorillo A. (2020). The Impact of Quarantine and Physical Distancing Following COVID-19 on Mental Health: Study Protocol of a Multicentric Italian Population Trial. Front. Psychiatry, 11: 533.
  21. GPFI (2016). G20 High-Level Principles for Digital Financial Inclusion. China.
  22. INVALSI-OECD (2020). Financial literacy. I risultati degli studenti italiani. Rapporto Nazionale.
  23. ISTAT (2017). Aspetti della vita quotidiana.
  24. ISTAT (2019). Le condizioni di salute della popolazione anziana in Italia.
  25. ISTAT (2021). Rapporto annuale 2021. La situazione del paese. -- Testo disponibile al sito: https://www.istat.it/storage/rapporto-annuale/2021/Rapporto_Annuale_2021.pdf (27/04/2022).
  26. Joliffe, I.T. (2002). Principal Component Analysis. New York: Spinger.
  27. Langley P. (2008). Financialization and the Consumer Credit Boom. Competition & Change, 12(2): 133-147. DOI: 10.1179/102452908X28979
  28. Leonini L. (2020). Vite diseguali nella pandemia. Polis, Ricerche e studi su società e politica, 2: 181-190. DOI: 10.1424/973
  29. Linciano N., Gentile M., Soccorso P. (2021). Rapporto per il 2021 sulle scelte di investimento delle famiglie italiane. Roma: CONSOB (Tipografia Eurosia Roma).
  30. Linciano N., Soccorso P. (2017). Le sfide dell’educazione finanziaria. Conoscenze finanziarie, attitudini e scelte di investimento degli italiani. Quaderni di finanza, CONSOB, 84.
  31. Miller E.A. (2020). Protecting and improving the lives of older adults in the Covid-19 era. Journal of Aging& Social Policy, 32: 297-309. DOI: 10.1080/08959420.2020.178010
  32. Mitchell O.S., Lusardi A. (2022). Financial Literacy and Financial Behavior at Older Ages. Wharton Pension Research Council Working Paper. -- Testo disponibile al sito: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4006687 (27/04/2022).
  33. Monahan C., Macdonald J., Lytle A., Apriceno M., Levy S.R. (2020). COVID-19 and ageism: How positive and negative responses impact older adults and society. American Psychologist, 75: 887-896.
  34. Morgan N.A., Whitler K.A., Feng, H.M, Chari S. (2019). Research in marketing strategy. Journal of the Academy of Marketing Science, 47(1): 4-29.
  35. Ng W. (2012). Can we teach digital natives digital literacy?. Computers & Education, 59(3): 1065-1078.
  36. Nicolini G., Cude B.J. (2022). The Routledge Handbook of Financial Literacy. London: Routledge.
  37. OECD (2005). Improving Financial Literacy: Analysis of Issues and Policies. Paris: OECD Publishing.
  38. OECD (2018). Toolkit for measuring financial literacy and financial inclusion. -- Testo disponibile al sito: https://www.oecd.org/financial/education/2018-INFE-FinLit-Measurement-Toolkit.pdf (27/04/2022).
  39. OECD (2020). International Survey of Adult Financial Literacy. -- Testo disponibile al sito: https://www.oecd.org/financial/education/oecd-infe-2020-international-survey-of-adult-financial-literacy.pdf (27/04/2022).
  40. OECD (2022). Evaluation of National Strategies for Financial Literacy. -- Testo disponibile al sito: https://www.oecd.org/finance/financial-education/Evaluations-of-National-Strategies-for-Financial-Education.pdf (27/04/2022).
  41. Pentaris P., Willis P., Ray M., Deusdad B., Lonbay S., Niemi M, Donnelly S. (2020). Older People in the Context of COVID-19: A European Perspective. Journal of Gerontological Social Work, 63: 736-742. DOI: 10.1080/01634372.2020.182114
  42. Piumatti G. (2017). Relations between longitudinal trajectories of subjective financial wellbeing with self-rated health among elderly. Medicina, 53: 323-330.
  43. Rinaldi E.E. (2015). Perché educare alla finanza? Una questione sociologica. Milano: FrancoAngeli.
  44. Rollo S. (2020). La comunicazione: media, processi produttivi e narrazioni. Atti del workshop 2020.
  45. Ruspini E. (2020). L’emergenza Covid-19 attraverso la lente del genere. L’emergenza Covid-19 attraverso la lente del genere. Sicurezza e Scienze sociali, 17: 42-58. DOI: 10.3280/SISS2020-00200
  46. Sala E., Gaia A., Cerati G. (2020). The gray digital divide in social networking site use in Europe: Results from a quantitative study. Social Science Computer Review, April 2020. DOI: 10.1177/089443932090950
  47. Termini F., Curcurù G. (2020), Pandemia Covid-19: aspetti clinici e conseguenze psicologiche delle restrizioni governative. Alcune considerazioni e studi interdisciplinari. Life safety and security, 8: 194-200. DOI: 10.12882/2283-7604.2020.8.
  48. Treccani (2022). Voce: Digital Literacy.
  49. Van der Zwan N. (2014). Making sense of financialization. Socio-Economic Review, 12: 1475-1461.
  50. Xue R., Gepp A., O’Neill G.T., Stern S., Vanstone B.J. (2019). Financial literacy amongst elderly Australians. Accounting and Finance, 59: 887-918.
  51. Zambianchi M., Ricci Bitti P.E. (2012). Invecchiamento positivo. Roma: Carocci editore.

Emanuela Emilia Rinaldi, Nicola Strizzolo, Competenze digitali e finanziarie nel primo lockdown: l’impatto sul benessere finanziario degli anziani in "SALUTE E SOCIETÀ" 3/2022, pp 47-63, DOI: 10.3280/SES2022-003004