Block Planet - Increasing user engagement in personal finances, using gamification in a mobile banking application
Authors
Nørgaard, Anders ; Svendsen, Mathias Utne Kærholm ; Sloth, Ulrik Kroge
Term
4. term
Education
Publication year
2017
Submitted on
2017-05-22
Pages
63
Abstract
Et kontantløst samfund er blevet mere virkeligt de senere år. Det er bekvemt, men forskning tyder på, at det også kan gøre det sværere for folk at bevare overblikket over deres økonomi. Mange økonomi-apps forsøger at hjælpe, nogle ved at bruge gamification—spilelementer, der skal motivere bestemte handlinger. Disse apps kan give et bedre overblik, men de har ofte svært ved at få brugerne til at logge ind regelmæssigt og bruge værktøjerne. Dette studie undersøger, om en app med stor vægt på gamification kan motivere hyppige logins og dermed forbedre brugernes økonomiske overblik. Da juridiske forhold gjorde det vanskeligt at få adgang til rigtige bankdata til test, trak vi på Spar Nord Banks viden om deres kunder. Vi interviewede tre eksperter—én fra Innovation, én fra Forretningsudvikling og en tidligere bankrådgiver—og gennemførte en brugervenlighedstest med vores brugergruppe ved hjælp af System Usability Scale (SUS), et standardspørgeskema til at vurdere brugervenlighed. Testene viste, at mange deltagere havde problemer med at styre appen. Den store variation i interaktionstyper gjorde det svært at kontrollere appen og sænkede brugervenligheden. Eksperterne kom med mange forslag til forbedringer, men så også et betydeligt potentiale i appen og dens grundidé.
A cashless society has become more real in recent years. This is convenient, but research suggests it can also make it harder for people to keep track of their money. Many finance apps try to help, some by using gamification—adding game-like elements to encourage certain behaviors. These apps can improve financial overviews, but they often struggle to motivate people to log in regularly and use the tools. This study explores whether an app that strongly emphasizes gamification can motivate frequent logins and, in turn, improve users’ financial overview. Because legal constraints made it difficult to access real banking data for testing, we drew on Spar Nord Bank’s knowledge of its customers. We interviewed three experts—one from Innovation, one from Business Development, and a former bank advisor—and ran a usability test with our user group using the System Usability Scale (SUS), a standard questionnaire for rating ease of use. Our tests showed that many participants found the app hard to control. The variety of interaction patterns confused users and reduced usability. While the experts proposed numerous improvements, they also saw significant potential in the app and its core concept.
[This abstract was generated with the help of AI]
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