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MMS #78 | Dark patterns: the tricks websites use to make you spend more Analytics Table

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Ever felt pressured to hit BUY NOW by a countdown clock, struggled to cancel a subscription, or been told there is “only one left” while shopping online? You may have encountered a dark pattern. In this episode of Money Made Simple, Jennie is joined by Chandni Gupta from the Consumer Policy Research Centre in Australia and Jon Duffy from Consumer NZ to unpack the tricks businesses use to steer your purchases online, often pushing you to spend more, stay subscribed longer, or hand over more personal data than you meant to. They explore where marketing ends and manipulation begins, why these tricks work even when you can see them coming, and whether NZ and Australian consumer law is keeping up. From fake urgency and hard-to-cancel subscriptions to drip pricing and personalised prices, Chandni and Jon explain why dark patterns are so hard to resist, and how to spot and avoid them. This episode covers: * What dark patterns are and how they shape your decisions online * Where persuasion tips into coercion * Countdown clocks, scarcity cues and other urgency tricks * Why cancelling subscriptions is often deliberately hard * How drip pricing hides the real cost * Why businesses want your data, and what they do with it * Personalised pricing, and why you and a friend might see different prices for the same thing * Why knowing the tricks doesn't make you immune to them * What Australia's doing on consumer protection, and where NZ sits * Simple ways to dodge unwanted subscription renewals and other traps Resources mentioned in this episode: Consumer NZ – consumer advice, research and a report on dark patterns: https://campaigns.consumer.org.nz/invisible-influence-dark-patterns-and-digital-deception-in-aotearoa-new-zealand Consumer Policy Research Centre – Australian consumer research, including Duped by Design and Let Me Out: https://cprc.org.au/ Office of the Privacy Commissioner – for concerns about how your personal information has been collected or used: https://www.privacy.org.nz/ Commerce Commission – for complaints about potentially misleading or deceptive conduct: https://www.comcom.govt.nz/ You'll come away sharper to the subtle ways websites and apps nudge your behaviour, with simple strategies for slowing down and keeping control of your money and data. -- Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do given we're nonprofit %) Don't forget to like this episode and subscribe to Simplicity's YouTube channel if you found it useful! * * * Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity.kiwi.

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