The Reserve Bank of India (RBI) has taken a significant step to enhance the transparency of digital banking by instructing banks to remove all 'dark patterns' from their websites and mobile applications by July 2026. These dark patterns are deceptive design practices that mislead customers into making purchases or agreeing to fees without clear and informed consent. The RBI emphasizes that customers should be provided with comprehensive information before being asked to consent to any financial products or services.

In a draft of the 'Responsible Business Conduct Amendment Directions, 2026', the RBI clearly stated that banks must ensure that customers are not misled or pressured into making decisions regarding financial services. This includes requiring explicit consent from customers for any offerings related to financial products. The initiative aims to foster a more transparent digital banking environment, enhancing customer trust and ensuring fair business practices, aligning with the RBI’s goal of protecting consumers in an increasingly digital economy.

This directive is particularly significant given the increasing reliance on app-based banking solutions in India. As more consumers shift to online banking services, the need for clear and honest communication becomes paramount. The RBI's move to regulate and standardize practices in this sector is expected to set a precedent for other financial institutions, ultimately leading to a safer and more trustworthy financial ecosystem for all users in India.