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 the digital payment landscape, particularly regarding "no-password payment" and "buy now, pay later" features, which often lead to unintended financial burdens [1][2]. Group 1: Issues Faced by Elderly Users - Many elderly users inadvertently activate small-amount no-password payments, leading to repeated purchases and financial confusion [1][2]. - The design of payment platforms often complicates the process of disabling these features, requiring multiple steps that can be overwhelming for those unfamiliar with technology [2]. - Default settings that favor "no-password payment" exacerbate the problem, as elderly users may not notice these options and end up with unexpected charges [2]. Group 2: Recommendations for Improvement - There is a pressing need for payment platforms and institutions to adopt a more user-friendly approach, eliminating default selections for sensitive payment features and ensuring clear communication [2]. - Implementing an "elderly mode" in app interfaces that simplifies processes and highlights key information is essential for improving usability for older adults [2]. - Regular family interactions to educate elderly members about digital payments and potential scams can help build a protective barrier against financial mishaps [3]. Group 3: Regulatory and Social Responsibility - Strengthening consumer protection mechanisms for elderly digital users and increasing penalties for misleading activation of payment features is crucial [3]. - Establishing a streamlined complaint process for elderly users can enhance their ability to seek redress and protect their rights [3]. - Emphasizing safety and informed consent in payment processes will ensure that digital payment tools serve as genuine conveniences rather than burdens [4].