有鑑於電話與網路詐騙日益猖獗且銀髮族易成詐騙對象，本研究特編製《銀髮族使用智慧型手機資訊防詐素養》問卷，調查65歲以上銀髮族使用智慧型手機資訊防詐的認知與實踐，以改善此問題與提升銀髮族資訊防詐素養。240份正式問卷所得資料整合文獻分析後發現：（1）「認知」知覺分數理想，但「實踐」知覺仍待強化；（2）「後續改進」題項集中於「多查證」構面；（3）都會地區銀髮族之資訊防詐認知與實踐整體得分均顯著高於鄉鎮地區；（4）提升銀髮族資訊防詐素養需優先關注「增進多查證之實踐能力」與「因地制宜補強鄉鎮地區」二重點。最後，本研究分別就政策與實務面，提出提升銀髮族資訊防詐素養之具體建議。

Telephone and Internet fraud are becoming increasingly rampant, and the elderly are easy targets of such scams. To address this issue and enhance the fraud prevention literacy of the elderly, this study used the “Elderly’s Information Fraud Prevention Literacy on Smartphones” questionnaire to investigate the cognitive perception and practice of fraud prevention on smart phone of individuals aged 65 and above. After integrating the data from 240 questionnaires and reviewing relevant literature, the study found that: (1) perceived fraud-prevention awareness was high, whereas perceived practice required further strengthening; (2) items requiring follow-up improvement were concentrated in the “active verification” dimension; (3) older adults in urban areas reported significantly higher overall levels of fraud-prevention awareness and practice than those in rural areas; (4) efforts to improve fraud-prevention literacy among older adults should prioritize strengthening the practical ability to verify information through multiple sources and providing locally tailored support in rural communities. Finally, based on these findings, this study proposes policy and practical recommendations to improve information fraud prevention literacy among the elderly.