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As they age, the elderly are less able to learn new things. They are unfamiliar and confused with electronic payment, which relies on smartphones and the Internet. Many elderly people do not even have smartphones, or even if they do, they only use them for simple calls. They find the downloading, registration and use of various payment apps cumbersome and complicated. They are used to the directness and simplicity of cash transactions, and feel at ease when they exchange money and goods.

The situation of rural residents is also special. The network signal in some rural areas is unstable, which often leads to problems such as freezing and disconnection during electronic payment, affecting the payment experience. In addition, rural financial services are relatively backward, and some merchants may not be equipped with electronic payment equipment, or even if they are, there is a lack of effective publicity and guidance, which makes residents have a low level of understanding and acceptance of electronic payment.

From the perspective of consumption habits, the elderly and rural residents have formed a dependence on cash in their long-term lives. In their minds, cash is visible and tangible, which allows them to feel the real situation of their wealth and consumption. Electronic payment is just a change in a string of numbers, lacking a real touch, which makes them feel uncertain.

Education level is also an influencing factor. Many elderly people and rural residents have limited education and lack knowledge of financial and cybersecurity knowledge related to electronic payment. They are worried about theft and fraud of funds during use. They believe that cash payment is relatively safer and less risky.

At the same time, the social environment also affects their payment choices to a certain extent. In rural areas, transactions between neighbors are mostly based on cash, and this traditional transaction method has formed a culture and habit in the local area. Moreover, for some elderly people, most of their peers also use cash to pay. If they try electronic payment, they may feel out of place with the group.

However, with the development of society, the advantages of electronic payment are becoming increasingly obvious. It has the advantages of convenience, efficiency, time saving, etc., and can avoid the risks and inconvenience of carrying large amounts of cash. For the elderly and rural residents, gradually adapting to and accepting electronic payment will bring more convenience to their lives.

In order to improve the acceptance of electronic payment by the elderly and rural residents, all parties should work together. The government can increase the construction of network infrastructure in rural areas, improve the quality of network coverage, and provide good hardware conditions for electronic payment. Financial institutions can strengthen the publicity and promotion of electronic payment, carry out relevant training activities, and help them understand and master the operation methods and precautions of electronic payment. At the same time, communities and village committees can also play a role and organize volunteers to provide one-on-one help and guidance to the elderly and rural residents.

In addition, payment platforms should also continuously optimize product design to make it more concise and easy to use, in line with the usage habits of the elderly and rural residents. Some humanized functions, such as voice prompts and large font displays, should be added to lower the threshold for use. Merchants should also respond positively, proactively equip themselves with electronic payment devices, and provide consumers with a variety of payment options.

In short, changing the payment habits of the elderly and rural residents requires the attention and efforts of the whole society. Only in this way can they better integrate into the digital age and enjoy the convenience brought by technology.