如何理解中国老年群体的消费行为（英文版）

Compared with extant empirical literature on consumption that analyzes interview data or survey data with potential measurement error, the dataset we use in this work is a proprietary online payment dataset provided by an important tech company in China. This dataset covers the online payment records of 200,000 users nationwide from January 2020 to December 2021. Following the outbreak of Covid-19, online payment became mainstream due to hygiene purposes, thus confirming the representati