영국 FCA(Financial Conduct Authority)는 플랫폼에 게임화 요소를 추가하지 말라고 주식 거래 앱에 경고했습니다. 이는 사용자가 고위험 투자를 하고 도박과 같은 행동을 하도록 유도할 수 있기 때문입니다.
FCA “concerned about problem behaviours” linked to trading app design
규제 당국은 게이미피케이션이 "소비자를 긍정적으로 참여시킬 수 있지만" 소비자를 오도하거나 좋지 않은 결과를 초래할 수 있는 방식으로 사용되고 있음을 발견했습니다.
The warning to review design features such as gamification comes after the FCA surveyed more than 3,000 users across four trading apps. The regulator also included users of a more traditional investment platform as a control. In-depth interviews were also conducted with a sample of 20 users.
The FCA found that points, badges, push notifications and celebratory messages led to users being more likely to invest in products beyond their risk appetite.
Sarah Pritchard, executive director of markets at the FCA, says: “We expect all firms that offer stock trading to consumers to review and, where appropriate, make improvements to their products based on these findings.”
The regulator says 1.15 million new accounts were opened across the four trading app firms in the first four months of 2021, almost double the amount opened with all other retail investment services combined.
The FCA intends to do further research into trading app use and design features, in particular to understand some wider financial vulnerabilities for users of these apps.
