Editing Digital divide (section)

===Age gap===
The age gap contributes to the digital divide due to the fact that people born before 1983 did not grow up with the internet. According to Marc Prensky, people who fall into this age range are classified as "digital immigrants."<ref>{{Cite web |title=Digital Immigrant Definition |url=https://www.investopedia.com/terms/d/digital-immigrant.asp |access-date=2023-04-20 |website=Investopedia |language=en}}</ref> A digital immigrant is defined as "a person born or brought up before the widespread use of digital technology."<ref name=":8">{{Citation |title=digital, n. and adj. |url=https://www.oed.com/view/Entry/52611 |work=OED Online |access-date=2023-04-20 |publisher=Oxford University Press |language=en-GB}}</ref> The internet became officially available for public use on January 1, 1983; anyone born before then has had to adapt to the new age of technology.<ref>{{Cite web |title=A Brief History of the Internet |url=https://www.usg.edu/galileo/skills/unit07/internet07_02.phtml |access-date=2023-04-20 |website=www.usg.edu}}</ref> On the contrary, people born after 1983 are considered "digital natives". Digital natives are defined as people born or brought up during the age of digital technology.<ref name=":8" />

Across the globe, there is a 10% difference in internet usage between people aged 15–24 years old and people aged 25 years or older. According to the International Telecommunication Union (ITU), 75% of people aged 15–24 used the internet in 2022 compared to 65% of people aged 25 years or older.<ref name=":9">{{Cite web |date=2022-11-30 |title=Facts and Figures 2022: Latest on global connectivity amid economic downturn |url=https://www.itu.int/hub/2022/11/facts-and-figures-2022-global-connectivity-statistics/ |access-date=2023-04-20 |website=ITU Hub |language=en-US}}</ref> The highest amount of digital divide between generations occurs in Africa with 55% of the younger age group using the internet compared to 36% of people aged 25 years or older. The lowest amount of divide occurs between the Commonwealth of Independent States with 91% of the younger age group using the internet compared to 83% of people aged 25 years or older.

In addition to being less connected with the internet, older generations are less likely to use financial technology, also known as fintech. Fintech is any way of managing money via digital devices.<ref>{{Cite web |title=Financial Technology (Fintech): Its Uses and Impact on Our Lives |url=https://www.investopedia.com/terms/f/fintech.asp |access-date=2023-04-20 |website=Investopedia |language=en}}</ref> Some examples of fintech include digital payment apps such as Venmo and Apple Pay, tax services such as TurboTax, or applying for a mortgage digitally. In data from World Bank Findex, 40% of people younger than 40 years old utilized fintech compared to less than 25% of people aged 60 years or older.<ref>{{Cite web |title=Population ageing and the digital divide, SUERF Policy Brief .:. SUERF – The European Money and Finance Forum |url=https://www.suerf.org/suer-policy-brief/40251/population-ageing-and-the-digital-divide |access-date=2023-04-20 |website=SUERF.ORG}}</ref>