“先用后付”与“免密支付”便捷背后：中老年群体面临消费“迷雾”

Core Viewpoint - The rise of new payment methods such as "pay later" and "no-password payment" is leading to irrational consumption among the elderly, who often lack awareness of their spending due to these simplified processes [1][2]. Group 1: User Experience and Challenges - Over 60% of surveyed elderly users have experienced passive activation of payment features, with many unaware of the implications until they notice unexpected charges [1]. - The process to disable these payment features is often complicated, leading to increased anxiety about financial security among elderly users [2]. - The design of payment platforms tends to favor ease of activation over ease of deactivation, which can confuse users and lead to unintended financial consequences [2]. Group 2: Industry Response and Recommendations - Experts suggest that platforms should adopt principles of clear communication, active user choice, and easy management to protect elderly users from unintended charges [3]. - Some platforms are beginning to adjust their strategies by requiring manual confirmation for activating no-password payments and offering alternative management options for elderly users [3]. - The industry faces a common challenge of balancing technological advancements with the actual needs of the elderly demographic, emphasizing the importance of user rights [3]. Group 3: Market Trends and Future Considerations - By mid-2025, the number of internet users aged 60 and above in China is expected to reach 161 million, highlighting the growing digital consumption capabilities of this demographic [4]. - To ensure payment security for elderly users, experts recommend creating "elderly-friendly" interfaces and implementing a "pre-compensation" mechanism for losses incurred due to misleading activation of payment features [4].