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© 2025 Liu et al. This is an open access article distributed under the terms of the Creative Commons Attribution License: http://creativecommons.org/licenses/by/4.0/ (the “License”), which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License.

Abstract

This study empirically tests the role of population structure in the process of digital financial inclusion empowering the upgrading of consumption structure by taking 248 prefecture-level cities between 2013 and 2019 as the research objects. The results of this study are as follows. First, digital financial inclusion will expand the scale of consumption. Second, digital financial inclusion can promote the upgrading of consumption structure. Third, population structure will regulate the promotional effect of digital financial inclusion on the upgrading of consumption structure. Specifically, child dependency ratio has a positive moderating effect on digital financial inclusion-driven the upgrading of consumption structure. Moreover, sex ratio has a positive moderating effect on digital financial inclusion-driven the upgrading of consumption structure. Therefore, it is suggested that vigorously promote and develop digital financial inclusion, implement and improve the three-child policy, and expand the elderly consumer industry to better promote consumption upgrading.

Details

Title
Digital financial inclusion, population structure, and consumption upgrades: Evidence from China
Author
Liu, Qianwen; Zheng, Jianjie; Luo, Shihui  VIAFID ORCID Logo 
First page
e0316823
Section
Research Article
Publication year
2025
Publication date
Jan 2025
Publisher
Public Library of Science
e-ISSN
19326203
Source type
Scholarly Journal
Language of publication
English
ProQuest document ID
3158449209
Copyright
© 2025 Liu et al. This is an open access article distributed under the terms of the Creative Commons Attribution License: http://creativecommons.org/licenses/by/4.0/ (the “License”), which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Notwithstanding the ProQuest Terms and Conditions, you may use this content in accordance with the terms of the License.