Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q6: According to the RBI guidelines on responsible business conduct, how is a dark pattern legally defined?

A
A transparent user interface created to clearly display lock-in conditions and exit penalties upfront
B
A deceptive user interface created to purposefully mislead users into performing unintended actions
C
A secure user interface created to automatically encrypt sensitive financial information during transactions
D
A simplified user interface created to quickly process cross-border payments and overseas remittances
βœ… Correct Answer: B
The correct answer is a deceptive user interface created to purposefully mislead users into performing unintended actions.
Dark patterns trick people by ruining their ability to make their own choices, think clearly, and make good decisions.
The rules consider using a dark pattern to be the same as showing a misleading advertisement, doing an unfair trade practice, or directly breaking consumer rights.

πŸŒ‘ Concept βš–οΈ Legal Equivalent πŸ“… Enforcement Date
Dark Pattern UI Unfair Trade Practice January 1, 2027


🧠 Real-World Scenario: Imagine a College Student opens their banking app to check their balance. Suddenly, a giant green "CONTINUE" button appears, and pressing it quietly signs them up for a paid credit score service hidden in tiny text. According to the rules, they can report the bank for using a deceptive UI designed to steal unintended clicks. This means the RBI treats confusing buttons exactly like illegal false advertising.