Proceedings of the 2025 7th International Conference on Economic Management and Model Engineering (ICEMME 2025)

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Social Capital and Financial Fraud Risk Among Older Adults: Catalyst

Authors
Zhaozhang Huang1, *
1Ulink High School of Suzhou Industrial Park, Suzhou, Jiangsu, China
*Corresponding author. Email: changchang819@126.com
Corresponding Author
Zhaozhang Huang
Available Online 13 March 2026.
DOI
10.2991/978-94-6239-602-9_12How to use a DOI?
Keywords
Financial literacy; Social capital; Older adults; Financial fraud; Risk prevention
Abstract

This study delves into the effect of financial literacy on older adults’ financial fraud exposure, and then investigates how social capital moderates this relationship. This study utilized quantitative survey data from the Wenjuanxing platform, collecting 184 valid samples primarily from Jiangsu Province and surrounding regions. The findings reveal a significant negative correlation between the financial literacy levels of older adults and their exposure to financial fraud. Specifically, higher financial literacy is associated with stronger abilities to identify and resist fraud, resulting in a lower likelihood of encountering financial fraud. Meanwhile, social capital moderates the relationship between financial literacy and fraud risk: in contexts of high-quality, informed social interaction it strengthens the protective effect of financial literacy, whereas in contexts of unverified or informal trust networks the protective effect is weaker. These findings underscore the need for targeted interventions that integrate financial education with guidance on navigating social media networks.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 7th International Conference on Economic Management and Model Engineering (ICEMME 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
13 March 2026
ISBN
978-94-6239-602-9
ISSN
2352-5428
DOI
10.2991/978-94-6239-602-9_12How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Zhaozhang Huang
PY  - 2026
DA  - 2026/03/13
TI  - Social Capital and Financial Fraud Risk Among Older Adults: Catalyst
BT  - Proceedings of the 2025 7th International Conference on Economic Management and Model Engineering (ICEMME 2025)
PB  - Atlantis Press
SP  - 113
EP  - 123
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-602-9_12
DO  - 10.2991/978-94-6239-602-9_12
ID  - Huang2026
ER  -