The Use of Binomial Models to Increase Digital Competence of Seniors in the City of Czestochowa

Purpose: The aim of the research conducted as part of the presented article is an attempt to determine the competence in the use of new technologies by the seniors of the city of Czestochowa, contributing to the improvement of their quality of life. Design/Methodology/Approach: The research task was carried out on the basis of the literature on the subject and the results of the survey conducted in the third quarter of 2020, among 174 seniors living in the housing stock of the Department of Housing Management - Social Housing Association LLC in Czestochowa (in Poland abbreviated and known as ZGM "TBS" Sp. z o.o.). In the empirical analysis, probit models were estimated, in which determinants belonging to 5 categories were considered. On this basis, using the Gretl program, 14 probit models (7 full and 7 reduced) were built, showing the relationships between the studied variables. Findings: The conducted analyzes showed that all estimated models are characterized by a matching correctness, as evidenced by the value of the likelihood ratio test. Moreover, the obtained research results show that older people living in the housing stock managed by the Social Housing Association "TBS" in Czestochowa are interested in using modern technologies, in particular in developing their competence in the field of finance and online transactions. Practical Implications: Thanks to the conducted research, it was found that seniors show a gap in terms of digital competence related to finance and online transactions. The gap covers both the skills and concerns of fraud in this area. Bearing in mind the conducted study, ZGM TBS implemented the information campaign called „Be safe, senior,” which aims to raise the knowledge in the field of counteracting financial frauds against the elderly. Regardless of this, employees contacting clients have been trained in competence assistance for seniors in the field of digital financial transactions. Originality/value: The study conducted by the authors can be considered original as it constitutes the basis for taking appropriate steps to reduce digital exclusion by seniors. On the other hand, it is the basis for increasing the necessary skills in the use of new technologies, especially needed in the time of the COVID-19 pandemic.