In the wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital era, banks increasingly rely on apps and online platforms to sell products—from credit cards to insurance and loans. However, some institutions use “dark patterns”—deceptive design techniques that manipulate users into making decisions they might not otherwise choose.

Let’s understand what dark patterns are, how many types exist, and how customers can stay protected.

What Are Dark Patterns?

Dark patterns are misleading user interdata-face (UI) designs that trick users into:

• Buying unwanted add-ons
• Sharing more data than intended
• Subscribing to paid services unknowingly
• Agreeing to unfavorable terms

In India, the Central Consumer Protection Authority (CCPA) has issued guidelines to curb the use of dark patterns in wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital platforms.

How Many Types of Dark Patterns Are Recognized?

The CCPA has identified 13 major types of dark patterns commonly used across wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital platforms, including banking and fintech apps.

Here are some that are often seen in financial services:

1. False Urgency

Creating artificial pressure like:

• “Offer ends in 5 minutes!”
• “Only 2 credit cards left at this rate!”

This pushes customers to act without carefully reading terms.

2. Forced Action

Users are compelled to:

• Share personal data
• Link additional services
• Accept marketing permissions

Often, declining the option is difficult or hidden.

3. Hidden Costs

During loan applications or credit card sign-ups, extra charges such as:

• Processing fees
• Insurance add-ons
• Annual maintenance fees

may only appear at the final stage.

4. Subscription Traps

Banks may make it easy to enroll in services like:

• SMS alerts
• Credit shield insurance
• Investment plans

But cancelling them may require lengthy procedures.

5. Pre-Ticked Checkboxes

Insurance, add-ons, or promotional schemes may be automatically selected, and customers unknowingly agree if they don’t manually uncheck them.

6. Bait and Switch

Promoting one attractive interest rate or cashback offer but applying different conditions later in the fine print.

7. Confirm Shaming

Statements like:

• “No thanks, I don’t want to secure my future.”
  are designed to guilt users into choosing paid options.

8. Disguised Ads

Promotional financial products appearing as “recommended” or “approved” offers within banking apps.

How Do These Patterns Harm Customers?

• Increase financial burden
• Cause unnecessary subscriptions
• Lead to higher interest or hidden charges
• Reduce transparency in banking services

Such tactics can indirectly result in customers paying more than they intended.

What the Law Says

Under consumer protection rules and IT regulations, misleading wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital practices can attract penalties. The Reserve bank of India (RBI) also mandates transparency in banking charges and customer communication.

Customers can file complaints through:

• Bank grievance redressal systems
• RBI Ombudsman Scheme
• Consumer courts

How to Protect Yourself

✔ Always read the full terms and conditions
✔ Double-check pre-ticked options
✔ Take screenshots of offers
✔ Avoid rushing due to countdown timers
✔ Regularly check bank statements for hidden subscriptions
✔ Use official complaint channels if misled

Final Thoughts

Dark patterns are not always outright fraud—but they are manipulative design strategies that can cost customers money. Awareness is your strongest defense.

Banks are expected to operate with transparency and fairness. As wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital banking grows, customers must stay alert and question anything that feels rushed, hidden, or unclear.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.