适老支付调查（上）｜免密支付成扣款刺客：诱导式设计，退订如走迷宫

Core Viewpoint - The rise of "pay later" and "no password payment" methods, initially popular among younger consumers, is now penetrating the older demographic, leading to unintended consequences and confusion regarding payment processes [1][5][12] Group 1: User Experience and Challenges - Many older users have encountered issues with passive activation or accidental use of "no password payment" and "pay later" options, resulting in unexpected charges and repeated purchases [3][8][11] - A significant portion of older consumers lacks a clear understanding of the payment rules, leading to a perception that these new payment methods do not meet their core needs for simplicity and security [1][4][9] - The convenience of these payment methods has created a "sweet burden" for older users, who often feel overwhelmed by the changes in payment processes [1][5] Group 2: Consumer Behavior Insights - Older consumers often misinterpret the nature of "pay later" as a free trial, leading to confusion when charges occur [8][11] - The design of payment systems often employs "inducement design," where payment options are linked to discounts, making it easy for older users to unintentionally activate these features [10][14] - Many older users express a strong aversion to these payment methods, citing concerns over ease of accidental operation and the safety of their funds [9][12] Group 3: Recommendations for Improvement - Experts suggest that platforms should enhance transparency and provide clearer instructions for older users regarding payment options, emphasizing the nature of credit agreements and potential risks [12][14] - There is a call for the development of "senior-friendly" versions of payment processes that simplify activation and deactivation of features like "no password payment" [14][15] - Implementing a "first compensation" mechanism is recommended to protect older users from losses due to accidental activations or unauthorized charges [14][15]