The Central Bank of Russia has published a consultation paper on the use of game techniques in mobile applications offered by banks, brokers and financial marketplaces, asking whether new requirements are needed and how gamification should develop in a way that benefits retail investors. The paper centers on so-called dark patterns, meaning techniques with a hidden effect that may steer customers toward excessive trading and decisions that do not match their financial goals or risk appetite. The paper notes that gamification was initially used to help users understand complex investment products, build habits such as regular saving, and make routine operations more engaging. It also says these features can work against consumers when marketing campaigns, competitions and raffles distract them from investment activity or create risks of financial loss. Examples cited include virtual bonuses linked to buying shares, passing tests to access high-risk instruments, or depositing a set amount into a brokerage account. A questionnaire for market participants is intended to help the regulator determine what gamification standards and investor protection measures it should set to address nudging and unfair practices.

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