Claims associated with adhesion contracts continue to represent a relevant challenge for financial consumer protection, particularly in highly mass-market products such as savings accounts and personal loans. The available evidence suggests that these complaints are not driven solely by regulatory transparency issues, but rather by persistent gaps in comprehension and attention at the time of contracting.

In this context, the Superintendency of Banks of the Dominican Republic (SBDR), through the Behavioral Economics Laboratory (SBLAB), implemented a pilot plan to evaluate the effectiveness of incorporating a QR code into physical standard-form contracts (adhesion contracts). The goal was to facilitate validation that the document had been reviewed by the SBDR and to enable immediate access to key product information prior to signing.