警惕“先用后付”消费模式“套路”消费者

Core Viewpoint - The "Buy Now, Pay Later" model presents both advantages and significant risks for consumers, including issues related to consent, security, and credit implications [1][2][3]. Group 1: Consumer Rights and Risks - The "Buy Now, Pay Later" model often operates without explicit consumer consent, leading to a loss of awareness and choice regarding payment methods [1]. - The automatic payment feature poses severe security risks, as consumers do not need to input passwords or verification codes, making their accounts vulnerable to unauthorized access [2]. - This model essentially functions as a form of credit consumption, which can negatively impact consumers' credit scores if payments are not made on time, potentially leading to financial penalties [2]. Group 2: Recommendations for Improvement - Industry standards should be established to prohibit misleading promotional language and to regulate service fees associated with the "Buy Now, Pay Later" model [3]. - Enhanced technological oversight is necessary to monitor online shopping processes and protect consumer data, ensuring compliance with data protection regulations [3]. - Stricter enforcement of existing laws against automatic deductions and forced consumption practices is essential, with relevant authorities required to take swift action against violations [4].