【西街观察】莫让免密支付成为老年人的“甜蜜负担”

Core Viewpoint - The article highlights the challenges faced by elderly users in navigating digital payment systems, particularly with features like "no-password payment" and "buy now, pay later," which can lead to unintended charges and repeated purchases [1][2]. Group 1: Issues Faced by Elderly Users - Many elderly users inadvertently activate small-amount no-password payments or "buy now, pay later" options, leading to confusion and financial burdens [1]. - The design of digital payment systems often creates barriers for elderly users, with rapid pop-up prompts and hidden options that are difficult to understand [1][2]. - The process of disabling these payment features is complicated, requiring multiple steps that can be overwhelming for those unfamiliar with technology [2]. Group 2: Recommendations for Improvement - There is a pressing need for "age-friendly" modifications in payment systems to prevent these burdens from becoming overwhelming for elderly users [2]. - Payment platforms and institutions should eliminate default selections for sensitive payment features and implement clear prompts, possibly including mandatory knowledge checks or facial recognition for confirmation [2]. - A true "elderly mode" should be developed, simplifying processes and highlighting key information to enhance usability for older adults [2]. Group 3: Family and Regulatory Support - Families should engage in regular discussions about digital payment safety, helping elderly members understand the importance of cautious online behavior [3]. - Regulatory measures are essential to protect elderly consumers, including stricter penalties for misleading activation of payment features and simplified complaint processes [3][4]. Group 4: Overall Conclusion - Ensuring that payment systems prioritize "safety" and "informed consent" is crucial for making these tools genuinely beneficial for all users, particularly the elderly [4].