农村老年人数字支付抵制行为的心理归因及其作用机制研究

Research on Psychological Attributions of Rural Elderly’s ResistanceBehavior Towards Digital Payment and Their Mechanism

基于心理归因研究视角,以48位农村老年人为样本进行深度访谈,采用扎根理论研究方法,深入挖掘农村老年人数字支付抵制行为的表现和心理归因,探讨心理归因的作用机制并提出相应的命题。研究发现:农村老年人数字支付抵制行为表现为漠不关心、消极抵制和坚决抵制;数字支付能力与主观规范是农村老年人数字支付抵制行为的内部和社会心理归因,并通过数字支付认知和数字支付情感间接影响数字支付抵制行为;数字风险传播与数字支付支持在数字支付认知和数字支付情感对数字支付抵制行为的影响过程中起调节作用。

From the perspective of psychological attribution,this study takes 48 rural elderly people as research samples to conduct in-depth interviews.By using the grounded theory research method,this study deeply investigates the manifestations and psychological attributions of rural elderly’s resistance behavior towards digital payment,explores the mechanism behind these psychological attributions and puts forward corresponding propositions.It is found that digital payment resistance behaviors of rural elderly are manifested as indifference,passive resistance and absolute resistance.Digital payment ability and subjective norms are psychological and social attributions of digital payment resistance behaviors of rural elderly,and indirectly affect digital payment resistance behaviors through digital payment cognition and digital payment emotion.Digital risk propagation and digital payment support moderate the influence of digital payment cognition and digital payment emotion on resistance behavior towards digital payment.