WorksheetsUnderstanding Dark Patterns in Finance
Total questions: 30
Worksheet time: 15mins
Which of the following is an example of a hidden fee in banking?
A fee that is clearly listed on your monthly statement
A charge that is only mentioned in the fine print and not explained upfront
A fee that is refunded every month
A fee for using your own bank’s ATM
A subscription trap is best described as:
A one-time purchase with no recurring charges
A service that is easy to sign up for but difficult to cancel
A free trial that never asks for payment information
A subscription that sends reminders before every renewal
Which scenario best illustrates misleading loan terms?
A loan with a fixed interest rate
A loan that advertises a low rate but hides higher fees in the contract
A loan with no fees at all
A loan that requires no credit check
Default opt-ins in financial products often result in:
Customers having to manually select extra features
Customers being automatically enrolled in additional services unless they uncheck a box
No additional services being added
Customers always being asked before any changes
Which of the following is an example of a complex pricing structure?
A single, flat monthly fee
Multiple fees and charges that are difficult to understand
A free service with no hidden costs
A one-time payment
Fake urgency tactics in financial offers are used to:
Give customers more time to decide
Pressure customers into making quick decisions by claiming limited time offers
Offer permanent discounts
Provide accurate information about deadlines
Which of the following best describes the “Zuckerberging” dark pattern?
Making it easy to delete your account
Making it difficult to find the option to log out or delete your account
Offering clear privacy settings
Providing transparent data usage policies
A “Roach Motel” pattern in financial services means:
It is easy to sign up but hard to leave or cancel the service
It is hard to sign up but easy to cancel
There are no sign-up or cancellation options
Both sign-up and cancellation are easy
Visual manipulation in price comparison prevention can involve:
Clearly displaying all prices side by side
Hiding or making it hard to compare prices with other products
Using large fonts for all prices
Offering price matching guarantees
If a bank uses small, hard-to-read text to disclose extra charges, this is an example of:
Transparent communication
Visual manipulation to hide fees
Honest advertising
Price matching
Which of the following is a sign of a subscription trap?
Easy cancellation process
No reminders before renewal
Clear instructions for ending the subscription
No automatic renewals
A loan advertisement that highlights a low monthly payment but hides the total cost is using:
Transparent pricing
Misleading loan terms
Honest marketing
Simple interest calculation
Default opt-ins can lead to which of the following outcomes?
Customers only get what they choose
Customers pay for services they did not actively select
No extra charges
All services are free
A complex pricing structure might make it hard for customers to:
Understand exactly what they are paying for
Know the store’s location
Find customer service
Use their credit card
Which tactic is used to create fake urgency in financial offers?
“Offer valid all year”
“Only 2 left at this price! Offer ends in 1 hour!”
“No rush, take your time”
“Permanent discount”
If a website makes it hard to find the “unsubscribe” button, it is using which dark pattern?
Roach Motel
Transparent design
Honest navigation
Simple opt-out
Which of the following is an example of price comparison prevention?
Showing competitor prices
Hiding similar products or making it hard to compare prices
Offering price charts
Providing price alerts
A bank that automatically enrolls you in overdraft protection unless you opt out is using:
Default opt-in
Transparent enrollment
No opt-in
Customer choice
Which of the following is a feature of a complex pricing structure?
All fees are listed on one page
Multiple fees are scattered throughout different documents
No fees at all
One-time payment
A financial website that uses bright colors to highlight “Buy Now” but hides the “Cancel” button is using:
Visual manipulation
Honest design
Simple navigation
Transparent options
If a loan’s true cost is hidden in the fine print, this is an example of:
Misleading loan terms
Transparent terms
Simple interest
No fees
Which of the following is a sign of a “Zuckerberging” pattern?
Easy-to-find privacy settings
Difficult-to-locate account deletion options
Clear instructions for logging out
No account required
A subscription service that requires you to call customer service to cancel, instead of allowing online cancellation, is using:
Roach Motel
Transparent cancellation
Easy opt-out
No subscription
Which of the following is an example of fake urgency?
“Sale ends in 2 months”
“Hurry! Only available for the next 10 minutes!”
“Available all year”
“No time limit”
If a bank hides extra charges in the terms and conditions, this is an example of:
Hidden fees
Transparent pricing
No fees
Simple pricing
A website that prevents you from comparing its prices with other sites is using:
Price comparison prevention
Honest advertising
Transparent pricing
Price matching
Which of the following is a result of default opt-ins?
Customers only get what they request
Customers may pay for services they did not want
No extra services are added
All services are free
A financial product that uses many different fees and charges that are hard to understand is an example of:
Complex pricing structure
Simple pricing
No fees
Transparent pricing
If a company uses a countdown timer to make you buy quickly, it is using:
Fake urgency tactics
Honest marketing
No pressure sales
Transparent offers
Which of the following best describes visual manipulation in financial offers?
Using design tricks to hide important information or make certain options hard to find
Clearly displaying all information
Using large, readable fonts for all text
Providing easy access to all options
