莫让“开通容易取消难”成顽疾

Core Viewpoint - The rapid development and widespread adoption of mobile payment technology have made password-free payments a preferred choice for many consumers, but this convenience comes with significant risks and challenges related to consumer rights and security. Group 1: Issues with Password-Free Payments - The process of enabling password-free payments is overly simple, often defaulting to activation without consumer awareness, while cancellation involves cumbersome steps [1] - Platforms employ inducive design strategies that make it easy to activate password-free payments but difficult to cancel, potentially harming consumer rights and damaging brand reputation [1] - Regulatory lag has resulted in a lack of effective constraints on these platform behaviors, with existing laws insufficiently addressing the specific issues surrounding password-free payments [1] Group 2: Consumer Risks - The lack of control over personal funds and the potential for impulsive spending are amplified by the current system, with some platforms allowing multiple small transactions to bypass monitoring [2] - Consumers, particularly minors and the elderly, often lack awareness of the risks associated with password-free payments, leading to unintended financial losses [2] Group 3: Proposed Solutions - The China Payment and Clearing Association has called for the elimination of default activation for password-free payments and the establishment of transaction limits to address security risks and consumer rights violations [4] - Payment platforms should simplify the cancellation process and clearly communicate associated risks to users, while consumers are encouraged to adopt dual verification and remain vigilant about transaction alerts [5] - A balance between technological convenience and regulatory oversight is essential for password-free payments to be a safe option for consumers [5]