Module: General Practice
Q21: As per the RBI regulatory guidelines, how is the dark pattern known as confirm shaming described?
✅ Correct Answer: B
The correct answer is using fear, shame, ridicule, or guilt to nudge a user into purchasing a product or continuing a subscription.
This trick uses words, videos, or audio to ruin a person's ability to choose freely.
Examples in banking include showing messages that make people feel guilty to control their behavior.
One example is making a user click a button that says no, I prefer to stay uninformed about great deals when they try to stop getting marketing emails.
Another example is forcing them to click a button that says no, I do not want extra security for my account when they refuse to buy extra fraud protection services.
This trick uses words, videos, or audio to ruin a person's ability to choose freely.
Examples in banking include showing messages that make people feel guilty to control their behavior.
One example is making a user click a button that says no, I prefer to stay uninformed about great deals when they try to stop getting marketing emails.
Another example is forcing them to click a button that says no, I do not want extra security for my account when they refuse to buy extra fraud protection services.
🧠 Real-World Scenario:
Imagine a user tries to decline a paid premium security feature on their bank app. Suddenly, the only button they can click to say 'No' is labeled: "No thanks, I don't care if my family's money gets stolen."
According to the rules, they can report this as illegal Confirm Shaming. This means banks are no longer allowed to emotionally manipulate or insult you just because you declined an upsell.