uthor's note: This article is part of an analytical synthesis developed using the Video Notebook methodology . The visual ideas and infographics presented were structured to consolidate the key concepts expressed in the audiovisual material on Neurodigital Insolvency
Summary (Abstract)
Consumer digital finance is increasingly mediated by algorithmic interfaces designed to minimize cognitive friction and accelerate transaction speed. This conceptual study introduces the frameworks of “neurodigital insolvency” and the “heuristic debtor” to analyze how modern financial interfaces, particularly within digital credit and Buy Now, Pay Later (BNPL) ecosystems , interact with human decision-making heuristics and exacerbate financial risk.
Instead of considering over-indebtedness solely as the result of a lack of individual financial education or a free and unrestricted choice by the consumer, this work investigates how persuasive design, gamification, and real-time algorithmic segmentation generate structural incentives that hinder reflective decision-making.
By integrating insights from neuroethics, behavioral economics, and digital legal theory, this study defines the concept of neurodigital insolvency in relation to traditional forms of behavioral manipulation and consumer vulnerability. It also demonstrates how micro-incentives, instant credit approval, and immediate reward cycles activate cognitive circuits in ways that undermine long-term financial planning.
Taking digital consumer credit as the central focus of analysis, and making limited comparisons with other persuasive digital environments, the article evaluates the limits of traditional regulatory models based on information disclosure.
Keywords: neurodigital insolvency; heuristic debtor; dark patterns ; algorithmic ethics; behavioral economics; doom spending ; Buy Now , Pay Later (BNPL ); FOMO
LlNK:
https://drive.google.com/file/d/1d6sXxcIN1lshobAns_ZI502RCtgK5_QR/view?usp=drive_link
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