Presentation Schedule
Digital Habits and Financial Well-Being: How Active and Passive ICT Usage Shape Economic Behavior Among Japanese Working Adults (105380)
Tuesday, 24 March 2026 16:00
Session: Poster Session 3
Room: Orion Hall (5F)
Presentation Type: Poster Presentation
Objective: In an increasingly digitalized society, the relationship between Information and Communication Technology (ICT) usage and individual well-being is complex. This study examines how different styles of ICT engagement influence financial well-being, defined as the subjective perception of having a healthy relationship with money, among working-age adults in Japan.
Methods: An online survey was conducted with approximately 3,500 participants from two generational cohorts: the Yutori generation (a cohort educated under Japan’s relaxed curriculum, ages 25–39) and the Employment Ice Age generation (a cohort affected by Japan’s hiring freeze, ages 40–54). A "Good Relationship with Money" scale was developed with high internal reliability (α > .87), and multiple regression analyses identified ICT behaviors associated with this score while controlling for demographics.
Results: ICT usage showed a notable divergence. Passive behaviors, such as video streaming, prolonged smartphone use, and gaming, were negatively associated with financial well-being. Active behaviors, including online securities trading, gourmet-related digital services, and productive PC or tablet use, were positively associated. Generational differences emerged: younger adults benefited from video-based financial learning, while middle-aged adults showed stronger links between well-being and efficiency-oriented behaviors like food delivery and online grocery services.
Conclusion: Digital access alone does not guarantee financial satisfaction. The style of engagement plays an important role: active utilization for efficiency and learning is generally associated with better financial health, whereas passive consumption for entertainment tends to correlate with lower financial well-being.
Authors:
Seiya Kojima, NTT DOCOMO, Inc., Japan
Masayuki Hida, NTT DOCOMO, Inc., Japan
Setsuko Kondo, NTT DOCOMO, Inc., Japan
Michitaka Hirose, The University of Tokyo, Japan
About the Presenter(s)
Mr Seiya Kojima is a Business Employee at NTT DOCOMO, INC. in Japan
Connect on Linkedin
https://www.linkedin.com/in/seiyakojima/
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