110844 20230519145622.0 doi 10.1108/IJBM-02-2021-0074 sideral 126682 ART-2021-126682 eng Bitrián, Paula Universidad de Zaragoza (orcid)0000-0001-6325-6773 Making finance fun: the gamification of personal financial management apps 2021 Access copy available to the general public Unrestricted Although gamification is a trending topic, few studies have explored its use in the finance industry. Drawing on SDT and the TAM, this study extends previous research and adds new insights into the effects of gamification in this context. This study integrates self-determination theory (SDT) and the technology acceptance model (TAM) to explore how gamification increases users' motivation and intention to use personal financial management (PFM) apps, and how it facilitates their adoption. Data from 208 users of the Mint app were analyzed using partial least squares structural equation modeling. The results showed that gamifying PFM apps satisfies users' needs for competence and autonomy and enhances their autonomous motivation to use them. Users' motivation increases their perceptions of ease of use and usefulness of the apps and causes them to develop more favorable attitudes toward them. The findings also confirmed a relationship between users' attitudes toward PFM apps and the behavioral intention to use them. To investigate the generalizability of results, studies using other PFM apps would be useful. The cross-sectional nature of the research also limits its causal inference. This research provides support for the use of gamification in PFM apps and offers suggestions that may help fintech companies and banks to persuade users to engage with their apps. info:eu-repo/grantAgreement/ES/DGA/S54-20R-GENERES Group info:eu-repo/grantAgreement/ES/MINECO-FEDER/ECO2017-82103-P info:eu-repo/semantics/openAccess by http://creativecommons.org/licenses/by/3.0/es/ 5.083 2021 BUSINESS 76 / 155 = 0.49 2021 Q2 T2 0.886 2021 Marketing 2021 Q2 7.3 2021 info:eu-repo/semantics/article info:eu-repo/semantics/acceptedVersion Buil, Isabel Universidad de Zaragoza (orcid)0000-0001-6631-8909 Catalán, Sara Universidad de Zaragoza (orcid)0000-0001-5268-1723 4011 095 Universidad de Zaragoza Dpto. Direc.Mark.Inves.Mercad. Área Comerci.Investig.Mercados 39, 7 (2021), 1310-1332 Int. j. bank mark. International journal of bank marketing 0265-2323 754816 http://zaguan.unizar.es/record/110844/files/texto_completo.pdf Postprint 1415549 http://zaguan.unizar.es/record/110844/files/texto_completo.jpg?subformat=icon icon Postprint oai:zaguan.unizar.es:110844 articulos driver 2023-05-18-16:16:39 ARTICLE