With the development of technology, more and more people are using digital payments: payments by computer or mobile phone. There are many advantages to this change, but be aware that there are also dangers! 

It is important for users to take steps to protect their security and privacy when making digital payments, such as using secure networks, checking websites and merchants, protecting their passwords and regularly monitoring their transactions to detect any suspicious activity.

However, online card payments can offer a number of advantages to senior citizens, but also potential disadvantages. Here is a list of the main benefits and disadvantages:

Benefits for senior citizens :

1. Convenience: Online payments allow senior citizens to make purchases from home, without having to physically travel to the shop. This can be particularly useful for seniors who have mobility difficulties or who live in remote areas where access to shops may be limited.
2. Security: Online payments can offer a high level of security thanks to advanced authentication and encryption protocols. This can help protect seniors' financial information from fraud and identity theft, especially if seniors are careful about protecting their personal information online.
3. Ease of use: Many online shopping sites are designed to be user-friendly and easy to navigate, which can make online shopping simple and accessible for seniors. What's more, most sites accept a variety of payment methods, including credit and debit cards, giving seniors several options for making payments online.

Disadvantages for senior citizens :

1. Technical skills: Seniors who are unfamiliar with information technology may find it difficult to learn how to use online payment platforms and navigate online sales websites. This can require a bit of a learning curve and can be an obstacle for older people who are not used to using the Internet. So it's important to get some computer training. There are a number of possible courses for senior citizens.
2. Online safety: Seniors may be more vulnerable to online scams and fraud, as they may be less familiar with phishing tactics and other types of online scams. They therefore need to be careful when entering their financial information online and be aware of the potential risks.
3. Protection of personal data: Senior citizens may be concerned about the protection of their personal data online, particularly their financial information. It is important to ensure that online payment websites are secure and to take steps to protect their personal information, such as using strong passwords and checking websites' privacy policies.

To conclude, online card payments can offer many advantages to senior citizens, particularly in terms of convenience, security and ease of use. However, it is important that senior citizens are aware of the potential risks associated with online security and take the necessary steps to protect their personal information when making online payments. It may also be useful to ask a family member, friend or professional for help in ensuring that online payments are made securely.