优化支付服务背景下老年人支付便利化的思考——以固原市为例

Refl ections on the Facilitation of Payment for the Elderly under the Background of Optimizing Payment Services--Taking Guyuan City as an Example

智能化时代,如何让老年人在享受智能支付服务的同时获得更多的安全感、幸福感,是当下银行机构不能忽视的问题。本文通过对固原市支付环境建设情况和银行机构支付适老化改造情况调研,聚焦老年人在使用智能支付产品中的供需矛盾、智能支付产品在适老化设计方面的精准性及老年人群体在使用智能支付产品中容易遭受网络诈骗方面的痛点、难点问题,提出固原市要在适老化支付服务长效机制建设、平衡供需矛盾和探索具有地方特色的乡村支付服务模式方面增能赋权,拓宽适老化支付路径。

In the era of intelligence,how to let the elderly enjoy smart payment services while getting more security,happiness,is the current banking institutions can not ignore the problem.Based on the investigation of the construction of the payment environment in Guyuan City and the age-appropriate transformation of the payment of banking institutions,this paper focuses on the contradiction between supply and demand of the elderly in the use of smart payment products,the accuracy of smart payment products in the age-appropriate design,and the pain points and diffi culties that the elderly are prone to online fraud in the use of smart payment products.It is proposed that Guyuan City should strengthen its ability and power in the construction of long-term mechanism of age-appropriate payment service,balance the contradiction between supply and demand and explore the rural payment service mode with local characteristics,and broaden the age-appropriate payment path.