Module: General Practice
Q20: According to the RBI rules on dark patterns, what action is classified as basket sneaking?
✅ Correct Answer: D
The correct answer is unauthorized inclusion of additional items at checkout without explicit user consent.
This trick sneaks extra things like side products, services, or charity donations into the cart to make the final price higher than the original item cost.
However, there is a very important exception to this rule.
Adding needed fees that are clearly shown right at the start, or giving away completely free services, is not considered basket sneaking.
A real example in banking is when a lender automatically picks loan protection insurance for the customer during a loan application without asking them.
This trick sneaks extra things like side products, services, or charity donations into the cart to make the final price higher than the original item cost.
However, there is a very important exception to this rule.
Adding needed fees that are clearly shown right at the start, or giving away completely free services, is not considered basket sneaking.
A real example in banking is when a lender automatically picks loan protection insurance for the customer during a loan application without asking them.
🧠 Real-World Scenario:
Imagine someone is applying for a 1 Lakh personal loan online. Suddenly, on the final confirmation screen, the total loan amount magically jumps to 1.05 Lakhs.
According to the rules, they can reject it because the bank quietly sneaked a 5,000 Rupee "loan protection insurance" into the cart without asking. This means banks cannot auto-add extra services to artificially inflate your final bill.