Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Volume 7 Issue 1
January-February 2026

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Evaluating the Impact of Gamification on User Engagement and Learning Outcomes in Financial Education Applications

Author(s) Bhuvan Agarwal
Country India
Abstract Financial literacy remains a consistent challenge across all demographic groups, affecting individual economic stability and financial decision-making. Digital platforms are increasingly incorporating gamification into educational content to boost user engagement. However, limited research examines whether gamified elements, like points, badges, leaderboards, etc., improve both engagement and learning in financial education contexts. This research employs a correlational design surveying 60 randomly selected users of financial educational apps. Participants completed surveys measuring gamification exposure across their primary apps, frequency and duration of engagement, and knowledge, plus behavioural gains. Results revealed that gamification significantly predicted both engagement and learning outcomes. The findings support the self-determination theory predictions that game elements satisfy psychological needs for competence and autonomy, thereby motivating continued engagement and deeper learning. Results illustrate that gamification works in financial education contexts when thoughtfully implemented. App developers and educators could confidently develop and use gamified versions of regular financial development apps. However, limitations including self-reported data and sample size constraints suggest that findings apply primarily to engaged users similar to this sample size; results may vary across all financial education app users globally.
Keywords gamification, financial literacy, user engagement, learning outcomes, self-determination theory, educational technology
Field Mathematics > Economy / Commerce
Published In Volume 7, Issue 1, January-February 2026
Published On 2026-01-28
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E-ISSN 3048-7641
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