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    Teenagers could be more susceptible to online “dark patterns”

    enSeptember 03, 2024
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    Podcast Summary

    • Dark patternsThree quarters of subscription apps and websites use dark patterns, including disguised advertising, pre-selected checkboxes, and confirm shaming, which can make users feel guilty or foolish, encouraging unintended purchases

      Dark patterns are manipulative design tactics used on the web to extract information, money, or more time from users. A recent study by the Federal Trade Commission revealed that three quarters of subscription apps and websites employ at least one dark pattern, with many utilizing multiple such tricks. Common dark patterns include disguised advertising, pre-selected checkboxes, and confirm shaming. An example of the latter is when a user is trying to make a purchase online and is forced to explicitly decline an additional cost, such as insurance, to continue. Dark patterns can make users feel guilty or foolish when declining extra costs, encouraging them to reconsider and potentially spend more money. Shopping online, using social media, and gaming apps are common places where users may encounter these manipulative tactics, particularly younger generations. Being aware of these patterns and understanding how they work can help users make informed decisions and avoid unintended purchases.

    • Dark patterns in online gamingTeens need to be mindful and educated about online activities and financial decisions due to growing use of dark patterns in online gaming and other digital platforms, while lawmakers struggle to keep up with technological change

      The use of dark patterns in online gaming and other digital platforms is a growing concern, particularly for teens who are already spending a significant amount of time online. These tactics, designed to keep users engaged and encourage them to spend more money, can be difficult to resist. As technology advances and these patterns become more sophisticated, it's essential for teens to be more mindful and educated about their online activities and financial decisions. However, it's not just up to individuals to protect themselves. Lawmakers are struggling to keep up with the rapid pace of technological change, making it even more important for teens to take matters into their own hands and learn how to navigate the digital world safely and responsibly. For those in rural areas like Emily from Nebraska, programs like Marketplace offer valuable information and insights that can help individuals stay informed and engaged with their communities and the world at large.

    • Dark patterns educationBy learning about dark patterns, we can build confidence and empower ourselves to resist manipulative tactics, protect ourselves financially, and contribute to a larger conversation about transparency and ethical design in technology.

      While we may not be able to completely avoid dark patterns in our digital experiences, we can educate ourselves about them to better identify and resist them. Dark patterns, such as confirmed shaming and other manipulative tactics, can make us feel intimidated and powerless. However, by learning the terminology and understanding what's happening, we can build confidence and empower ourselves to call out and push back against these tactics. This not only helps us protect ourselves financially but also contributes to a larger conversation about transparency and ethical design in technology. So, let's lean in and learn together. Support organizations like Marketplace that bring awareness to these issues, and make a difference by sharing your knowledge with others. Remember, knowledge is power, and together, we can fight back against dark patterns.

    • Online Spending Risks for Young PeopleOnline spending risks for young people include overspending, missed opportunities for financial growth, and the allure of influencer marketing, emphasizing the importance of financial education and making saving money appealing and convenient.

      Young people face significant risks when it comes to online spending, and the stakes go beyond just time and attention. While it's true that endless scrolling and distractions can eat up valuable hours, the financial consequences can be even more detrimental. With the ease of making purchases online and the allure of influencer marketing, saving money often feels like an unsexy and unattractive option. However, this mentality can lead to a vicious cycle of overspending and missed opportunities for financial growth. It's essential to be aware of these trends and prioritize financial education, making saving money as appealing and convenient as possible. The future financial stability of young people depends on it.

    • Financial habitsUnplanned purchases can hinder our ability to save and achieve financial goals, making it essential to understand our spending habits and make conscious decisions about money.

      Making unplanned purchases can make it harder for us to reach our financial goals, no matter how big or small they may be. Janelle Espinal, host of the Marketplace podcast "Financially Enclined," discussed how getting caught up in "dark patterns" of spending can hinder our ability to save and achieve our financial objectives. These patterns can include using credit cards for everyday expenses or making impulse purchases. Understanding our spending habits and making conscious decisions about how we use our money is essential for improving our financial future. By listening to "Financially Inclined," you'll learn practical money lessons and strategies to help you make smarter financial decisions and build healthy financial habits. So, keep in mind that every time you make an unplanned purchase, you're making it harder to reach your goals, and take steps to break free from those "dark patterns" of spending.

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