把免密支付的选择权还给用户（民生观）

Core Viewpoint - The article emphasizes the need for improved management and regulation of "no-password payment" technology to enhance user experience while minimizing risks associated with its use [1][2]. Group 1: User Experience and Challenges - Many consumers face difficulties with "no-password payment" features, particularly in terms of ease of activation and difficulty in deactivation [1]. - The convenience of "no-password payment" can lead to unintended consequences, such as automatic activation during promotional activities and hidden deactivation options [1]. - Users have reported issues such as unauthorized transactions due to the activation of "no-password payment" [1]. Group 2: Regulatory and Industry Recommendations - The China Payment and Clearing Association has proposed initiatives to strengthen the security management of "no-password payment," including eliminating default activation and ensuring clear user consent [2]. - Recommendations include simplifying the deactivation process, setting transaction limits, and providing real-time alerts, particularly for vulnerable groups like the elderly [2]. - The article calls for regulatory bodies to increase oversight on default activation practices and hidden terms, ensuring consumer rights are protected [2]. Group 3: User Awareness and Actions - Users are advised to be cautious during payment processes, particularly regarding default options that may lead to unintended activation of "no-password payment" [2]. - It is recommended that users regularly check their payment authorization lists and retain evidence in case of unauthorized charges [2]. - The article advocates for returning the choice of "no-password payment" to users, emphasizing the importance of collaboration among platforms and regulators to enhance user safety [2].