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Core Viewpoint - The China Payment and Clearing Association has issued an initiative to enhance the security management of "no-password payment" services, aiming to protect user rights and standardize the use of such payment methods [1][3]. Group 1: Initiative Details - The association emphasizes the need for payment service providers to strengthen security management in "no-password payment" services through five specific measures, including proper authorization management and risk management for merchants [3][5]. - Users are encouraged to enhance their security awareness by implementing dual verification and regularly changing passwords, as well as being vigilant against marketing traps [3][4]. Group 2: User Experience and Concerns - "No-password payment" has gained popularity due to its convenience in various scenarios, but issues such as involuntary activation and potential information leaks have emerged [4][5]. - A survey of middle-aged and elderly users revealed that many experienced involuntary activation of "no-password payment" features, highlighting the difficulty in deactivating such services [4][5]. Group 3: Focus on Elderly Users - The initiative specifically calls for payment service providers to assess the risk tolerance and capacity of elderly users, ensuring that core terms are clearly presented and providing easy access to transaction information and cancellation options [5]. - The current market for "no-password payment" shows signs of disorder, particularly with tools that may inadvertently affect users' credit ratings [5].