HAVE you ever noticed how Netflix seems to know exactly what you want to watch next?

One show finishes and within seconds a new suggestion appears that feels almost too perfect.

That same kind of invisible influence isn’t just shaping what we watch – it’s also influencing how we spend, save, and even think about money.

Every time we click, scroll, or buy, algorithms are quietly learning what makes us tick. They take note of what catches our attention, how long we linger, and what we ignore.

Before long, they can predict what we’ll want before we do. That’s great when it helps us find a good series on a Friday night, but when it comes to money, those digital nudges can make life more expensive than it needs to be.

From online shopping suggestions to targeted sales and limited-time offe

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