Biometric payment, i.e., biometric authentication implemented in digital payment systems, can reduce memory demands and streamline payment for older adults. However, older adults' perceptions and practices regarding biometric payment remain underexplored. We conducted semi-structured interviews with 22 Chinese older adults, including both users and non-users. Participants were motivated to use biometric payment due to convenience and perceived security. However, they also worried about loss of control due to its password-free nature and expressed concerns about biometric data security. Participants also identified desired features for biometric payment, such as lightweight and context-aware cognitive confirmation mechanisms to enhance user control. Based on these findings, we outline recommendations for more controllable and informative digital financial services that better support older adults.

翻译：生物识别支付，即在数字支付系统中实施的生物特征认证，能够减轻老年人的记忆负担并简化支付流程。然而，老年人对生物识别支付的认知与实践仍缺乏深入研究。我们对22位中国老年人（包括使用者和非使用者）进行了半结构化访谈。参与者使用生物识别支付的动机在于其便利性和感知安全性。然而，他们也担忧因其无密码特性可能导致控制权丧失，并对生物特征数据的安全性表示关切。参与者还提出了对生物识别支付功能的期望，例如采用轻量级、情境感知的认知确认机制以增强用户控制。基于这些发现，我们提出了设计建议，旨在开发更具可控性和信息透明度的数字金融服务，以更好地支持老年人。