Study on the Aging Transformation of Chinese Mobile Payment and Its International Experience

在当代社会转型进程中，人口老龄化与数字技术异化现象交织形成结构性张力，催生代际数字鸿沟的扩大化趋势。本研究通过三重维度展开学理探究：首先，分析我国老龄化进程的时空特征，揭示移动支付适老化改造的社会必要性与历史必然性；其次，构建制度–技术–行为的三维分析范式，系统解构我国现有适老化改造的实践模式及其制度性阻滞因素；最终，采用跨国比较研究方法，在数字包容性发展理论视域下，实现国际经验本土化重构与中国方案全球化输出的辩证统一。研究旨在构建代际数字正义的理论范式，通过技术适配机制创新促进老年群体社会融入，从而推动数字经济社会系统的帕累托改进，为老龄化社会的数字化转型提供理论解释框架与实践路径参考。In the process of contemporary social transformation, the aging of the population and the alienation of digital technology interweave to form a structural tension, giving rise to the widening trend of the intergenerational digital divide. This study conducts theoretical exploration through three dimensions: firstly, analyzes the spatial and temporal characteristics of aging process in China, reveals the social necessity and historical inevitability of mobile payment aging transformation; secondly, constructs the three-dimensional analysis paradigm of system-technology-behavior, systematically deconstructs the existing practice mode of aging transformation and its institutional block factors; finally, realizes the dialectical unification of international experience localization reconstruction under the perspective of digital inclusive development. The research aims to build the theoretical paradigm of intergenerational digital justice, promote the social integration of the elderly through the innovation of technological adaptation mechanism, so as to promote the Pareto improvement of the digital economy and social system, and provide the theoretical interpretation framework and practical path reference for the digital transformation of the aging society.