你被免密支付“坑”过吗？

Core Insights - The rise of "no-password payment" systems has led to increased convenience for consumers but also significant issues, including unauthorized transactions and impulsive spending [2][3][5] Group 1: Consumer Behavior - Consumers using "no-password payment" have seen an average increase of 18% in single transaction amounts, with a 40% rise in return rates, indicating a tendency towards impulsive purchasing decisions [2] - Complaints regarding "no-password payment" have reached 65,000 on a complaint platform, highlighting widespread consumer dissatisfaction [2] Group 2: Regulatory and Legal Concerns - Some platforms exploit loopholes in third-party payment systems, allowing for high-frequency small transactions that evade monitoring, leading to significant financial losses for consumers [3] - Legal experts argue that default settings for "no-password payment" options violate consumer protection laws, suggesting that platforms should provide clear options to disable such features and improve transparency [5] Group 3: Recommendations for Improvement - Payment platforms are advised to create easily accessible options for disabling "no-password payment" and to regularly remind users of their payment settings [5] - Regulatory bodies are encouraged to enhance oversight of "no-password payment" systems, as current laws do not specifically address this payment method [5]