[PDF] Making finance fun: the gamification of personal financial management apps | Semantic Scholar (2024)

Based on TCT theory, this study enriches m-wallet research by examining two important factors, gamification and trust, and thus provides insights into how to improve consumers’ intentions to continue using m-wallets in developing countries.

A gap is found that justifies further research on the formal use of DGBL in the adult population, namely for the development of financial literacy, and a proposal for a model for designing digital games for financial literacy is proposed.

The empirical results show that system quality and information quality are two key determinants of MFA goal setting and goal tracking use, which significantly influence a user’s goal achievement and behavioral change in terms of physical activities.

A personal financial management system that will empower users to manage their finances by enabling them to record income, expenses and investments that utilizes data from the Indonesian stock market is introduced.

The study describes the design of a game to educate young graduates while imbibing life-long personal financial management skills and how the game design can be implemented to assist students in gaining financial education before venturing into the working world.

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The findings show that there is a direct and strong relationship between gamification and intention to use mobile banking services, supporting that, when used and designed properly, gamification can help make banking activities more exciting, more interesting and more enjoyable, and in turn increase customer acceptance, engagement and satisfaction.

Examining how already having a financial gamification application impacts perceptions of knowledge and expertise, as well as intentions to save given a more socially focused vs economically focused savings app, suggests that consumers varied in their preferences for certain financial game app features based on past financial app experience.

A technology acceptance model that integrates the innovation diffusion theory, perceived risk and trust in the classic TAM model, and an approach to external influences is developed in order to shed light on what factors determine user acceptance of mobile banking applications.

This work examines the relationship between utilitarian, hedonic and social motivations and continued use intention as well as attitude toward gami-fication in the context of gamification and suggests that the relationship between utilitarian benefits and use is mediated by the attitude toward the use of gamification.

The authors advance the body of knowledge on this subject by proposing moderating relationship of gamification between user’s intention to adopt and intention to recommend internet banking in social network and augmented the e-commerce literature in the internet banking adoption context.

It was found that perceived usefulness, perceived social risk, perceived performance risk and perceived benefit directly affect attitudes towards mobile banking, and that attitude is the major determinant of mobile banking adoption intention.

The findings show the significant positive influence of perceived usefulness, ease of use, attitude, II and DSI on consumer’s intention to adopt internet banking.

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