Designing for Older Adults: Overcoming Barriers to a Supportive, Safe, and Healthy Retirement

Older adults (65+) are at increasing risk of being ‘digitally marginalized’ due to lower tech savviness, social isolation, and few peers who can provide the needed input. As a consequence, some seniors have difficulties and are exposed to security risks when accessing essential services which are increasingly moving online. These include making critical life decisions, understanding health information, accessing health services, staying connected to families, or simply doing online shopping. This chapter investigates how online technologies can be designed to be inclusive of older adults' needs, abilities, and contexts. Several barriers barring technology adoption include mental models; attitudes related to critical decision making; privacy concerns; and overall cybersafety concerns preventing seniors from engaging with such resources online. We also propose ways to help the FinTech sector incorporate new approaches so that services and applications better serve the needs and constraints of older adults.