Impact of Gamification Features in Fintech Applications of the Saving Behaviour among Consumer in Kerala

Author(s)	Ms. Shruti Suanand, Dr. Sujith T S
Country	India
Abstract	Financial services apps have been the arena for mass disruptions by FinTech. By integrating technology with financial services, they have significantly changed the behaviour of individuals in India. Mobile banking apps, investing apps, saving apps and payments apps are widely used by most people across different demographics. In the recent years, many such fintech apps have started to adopt gamification features in their apps in order to enhance user engagement and satisfaction. This study aims to understand and investigate how such FinTech application’s gamification features affect the saving behaviour of young digital users. This study uses descriptive research design. A structured questionnaire will be used to gather primary data from the users of such apps. The main independent variables of this study are reward-based incentives, goal-setting and progress monitoring, social competition and peer influence, and user engagement using gamified features. The dependent variable is the saving behaviour of FinTech users, which helps in understanding how much people utilize FinTech applications to establish consistent saving practices, financial discipline and goal oriented financial planning.
Keywords	Financial discipline, FinTech applications, Gamification, Reward-based incentives, Saving behaviour, User engagement.
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-14

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International Journal For Multidisciplinary Research