Generational Challenges from Technology Adaptation in Municipal Financial Processes: Perspectives from Digital Immigrants and Digital Natives

This study examines the generational challenges in adapting technology for financial processes within municipal offices in Santa Cruz, Laguna, focusing on the distinction between digital immigrants (individuals born before 1980) and digital natives (individuals born after 1980). It aims to identify the specific challenges each group faces, explore their adaptation strategies, influencing factors, and propose interventions for improved technology adaptation. Technology has transformed financial operations, enabling real-time management and automation, yet generational gaps affect the adaptation of these tools. Using a qualitative-narrative approach, data was collected from 15 participants through semi-structured interviews, focusing on challenges, adaptation methods, and recommendations. A thematic analysis revealed that digital immigrants often struggle with unfamiliar digital tools, resulting in slower adaptation rates and lower efficiency. In contrast, digital natives encounter issues adapting to rapidly changing software, frequently leading to stress and workflow disruptions. Both groups rely on peer support, self-directed learning, and resource-based learning, with digital immigrants favoring structured training and simplified workflow, and digital natives preferring dynamic learning experiences and robust system support. The study identifies a need for targeted training programs, streamlined workflows, and enhanced data security to support both digital immigrants and natives effectively. Findings suggest that digital immigrants prioritize task simplification, while digital natives emphasize comprehensive system support. Some of the groups pre-existing digital exposure influences their comfort and adaptability with technology, highlighting the importance of tailored interventions for municipal financial offices.