Module: General Practice
Q11: To prevent deceptive digital designs, how must a bank configure the default choice for a customer to grant explicit consent on its user interface?
✅ Correct Answer: C
The correct answer is the default choice must be set to 'No' or 'I do not agree'. The screens and buttons must be built so that a customer physically cannot say yes without going through the terms and conditions.
At the same time, the bank has to clearly show important details like lock-in rules, penalties for leaving early, and money commitments before asking for agreement.
They should ideally use standard formats like the Key Facts Statement (KFS) or Most Important Terms and Conditions (MITC) to show this information.
At the same time, the bank has to clearly show important details like lock-in rules, penalties for leaving early, and money commitments before asking for agreement.
They should ideally use standard formats like the Key Facts Statement (KFS) or Most Important Terms and Conditions (MITC) to show this information.
🧠 Real-World Scenario:
Imagine a busy user is clicking through screens to pay an electricity bill on a bank app. Suddenly, they almost tap "Next" on a page that automatically opted them into a 1,000 Rupee insurance plan.
According to the rules, they can no longer be tricked because the RBI forces the app to set the default option to "NO". This means the user has to physically and actively click "Yes" to ever be charged for extras.