The Digital Divide for Seniors

Our motivation for Senvora comes from real data and real user challenges. In India,

smartphone penetration is around 54% overall, but among people aged 55 and above, it drops to nearly

5%. This drastically limits how many seniors can even install or access

UPI applications. Even among elderlies, smartphone users, adoption remains extremely low.

Studies show that only about 4% of people aged 55 to 60 use smartphones for payments,

and only around 7% of people aged 65 to 70 report using UPI at all. The issue is not

unwillingness, but accessibility and confidence. Behavior studies on elderly UPI users

show that seniors adopt digital payments only when they clearly perceive ease of use and safety.