Core Insights - The article discusses the growing prevalence of "pay later" and "no password payment" features on e-commerce platforms, highlighting both their convenience and potential risks for consumers, particularly among the elderly [1][5][11] Group 1: Functionality and User Experience - E-commerce platforms like Taobao, Pinduoduo, and Xiaohongshu have integrated "no password payment" and "pay later" options into their payment processes, often pre-selecting these options for users during checkout [3][6] - The activation process for these features is generally straightforward, requiring users to agree to service agreements and input payment passwords, but the process to deactivate them is often complex and not user-friendly [4][5][10] - Different platforms exhibit variations in their design and functionality, with some requiring users to navigate through multiple steps to disable features, which can lead to unintended transactions [4][6] Group 2: Consumer Concerns and Feedback - Many consumers, especially older adults, express confusion and concern regarding the implications of "no password payment" and "pay later" options, often misunderstanding them as free services [7][9] - A significant number of older users reported having these features activated without their explicit consent, leading to worries about unintentional spending and debt accumulation [7][12] - The article highlights a need for clearer communication and education regarding these payment options to ensure consumers understand their responsibilities and the risks involved [10][12] Group 3: Platform Responses and Recommendations - Platforms justify the promotion of these features by emphasizing their potential to enhance payment efficiency and user experience, particularly in fast-paced shopping scenarios [8][9] - Companies are encouraged to implement better user interface designs that prioritize consumer understanding, especially for vulnerable groups like the elderly, by simplifying activation and deactivation processes [10][13] - Regulatory suggestions include establishing clear guidelines to prevent misleading designs and ensuring that platforms provide accessible versions of their services for older users [14]