A Study On The Mechanism Of Social Exclusion On The Subjective Well-being Of Older People In The Context Of Mobile Payment

China is in the process of social ageing and informatisation,but the difficult integration of the elderly group and intelligent technology has hindered the active aging process.Mobile payment is an intelligent carrier of the digital society,a social participation activity and an intuitive symbol of the information society,carrying the role of a medium for the integration of older people into the mainstream circle.The social perception that keeping older people at a distance from mobile payments means being cut off from mainstream social interaction has led to an epidemic of "mockery of the elderly" and the exercise of technological hegemony over older people,resulting in technological discrimination and thus social exclusion,which seriously hinders the continued socialisation of older people.The complex relationship between older people and smart media is making mobile payments a new arena for the evolution of social exclusion on the mobile side of the internet,yet this phenomenon has not received much academic attention.Therefore,this study provides an in-depth exploration of how this phenomenon affects the well-being of older people.On this basis,two important factors affecting subjective well-being are introduced: interpersonal trust and sense of control,two variables that explore whether they play a mediating role between social exclusion and subjective well-being of older people in the context of mobile payments,with a view to providing ideas for the governance of an ageing society.This paper is divided into three main studies,using elderly people aged 60 and above in the Ganzhou region as the research subjects.Study one uses the recall paradigm and the Subjective Well-being Scale to explore the impact of social exclusion on the subjective well-being of older people in the context of mobile payment.Studies Two and Three used the Social Exclusion Scale,the Subjective Well-being Scale,the Interpersonal Trust Scale or the Sense of Control Scale to explore the role of interpersonal trust and sense of control in the relationship between social exclusion and subjective well-being of older people in the context of mobile payments respectively.After uniform data entry,the data were analysed using SPSS 25.0 for descriptive statistics,correlation and regression analysis using the SPSS plug-in Process 2.0 prepared by Hayes.The following results were obtained.(1)There is no significant difference in the level of social exclusion and interpersonal trust in mobile payment among the elderly group by gender,but there is a significant difference in the level of subjective well-being by gender.(2)Social exclusion in the context of mobile payment is negatively related to interpersonal trust,sense of control and subjective well-being;interpersonal trust is positively related to sense of control and subjective well-being;and sense of control is positively related to subjective well-being.(3)Social exclusion in the context of mobile payment can have a negative impact on the subjective well-being of older people.(4)Interpersonal trust and sense of control partially mediate the relationship between social exclusion and subjective well-being of older people in the context of mobile payment,respectively.(5)Interpersonal trust and sense of control play a chain mediating role between social exclusion and subjective well-being of older people in the context of mobile payment.This study has practical implications for assisting older age groups to integrate into Internet life,achieving positive ageing,promoting social governance of ageing and promoting the positive integration of mobile payment and ageing.