Proceedings of the 13th International Youth Conference in the series of “Youth for India @2047, AI Disruption and Opportunities: Preparing Youth for Global Challenges (IYC 2026)

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Can Cognitive Nudges in Gamified Digital Payments Foster Digital Financial Well-being?

Authors
Pratima Sharma1, *, Parul Gaba2, Brahmmanand Sharma3
1JECRC University, Jaipur, Rajasthan, India
2Department of Management Sciences, Tecnia Institute of Advanced Studies, New Delhi, India
3Galgotias University, School of Business, Greater Noida, UP, India
*Corresponding author.
Corresponding Author
Pratima Sharma
Available Online 15 May 2026.
DOI
10.2991/978-94-6239-676-0_17How to use a DOI?
Keywords
Cognitive Nudges; Gamification; Digital Payments; Digital Financial Well-being
Abstract

Cognitive nudge techniques such as gamification and social comparison have become a popular feature on many digital payment platforms in order to promote user's better financial behaviors. This research looks at whether; gamified rewards, personalized budget feedback and social comparison cues affect a user's ability to create and maintain an intent for long-term sustainable finances and whether perceived algorithm transparency creates a pathway to improved digital financial wellness. Using Partial Least Squares Structural Equation Modeling (PLS-SEM) it was determined that each of the above mentioned nudge elements has a significant positive impact on the user’s intent to achieve long term sustainable financial intentions. Additionally, the user’s sustainable financial intentions positively impact their perceived level of algorithm transparency which is directly and indirectly related to their overall digital financial well-being. Therefore, this research indicates that when nudge strategies are designed well and accompanied with an explanation for the algorithms used to generate them; they will likely enhance user’s financial behaviors and digital financial outcome(s). In addition to providing direction for FinTech developers, the findings of this study will also contribute to the larger body of work in behavioral economics and digital finance.

Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 13th International Youth Conference in the series of “Youth for India @2047, AI Disruption and Opportunities: Preparing Youth for Global Challenges (IYC 2026)
Series
Advances in Intelligent Systems Research
Publication Date
15 May 2026
ISBN
978-94-6239-676-0
ISSN
1951-6851
DOI
10.2991/978-94-6239-676-0_17How to use a DOI?
Copyright
© 2026 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Pratima Sharma
AU  - Parul Gaba
AU  - Brahmmanand Sharma
PY  - 2026
DA  - 2026/05/15
TI  - Can Cognitive Nudges in Gamified Digital Payments Foster Digital Financial Well-being?
BT  - Proceedings of the 13th International Youth Conference in the series of “Youth for India @2047, AI Disruption and Opportunities: Preparing Youth for Global Challenges (IYC 2026)
PB  - Atlantis Press
SP  - 261
EP  - 288
SN  - 1951-6851
UR  - https://doi.org/10.2991/978-94-6239-676-0_17
DO  - 10.2991/978-94-6239-676-0_17
ID  - Sharma2026
ER  -