In the "14th Five-Year Plan" and the 2035 vision goals, digital currencies have been given key attention. The target outline clearly states that the research and development of digital currency should be steadily promoted in the future development. As a digital legal currency, E-CNY has been widely concerned by various financial institutions and technology companies in the process of application and promotion. From the perspective of China's overall market, China has entered the stage of an aging society with population structure. The existing financial service system has been highly digitized and cashless, and there is a serious phenomenon of "digital divide" and "financial exclusion" in financial services for the elderly. Promoting the optimization level of digital currency for financial services for the elderly is the concern of the whole society.

Wenpei Zhu, a master's student in finance at the Silc Business School at Shanghai University. Her main research interests include digital finance, financial technology, and more. She is currently serving as the Chairman of the Graduate Association of Silc Business School. This is the project under Dr. Robert CHEN for entrepreneuship and innovation.