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1  sur  18
Fintech users
behavior change
with
GAMIFICATION
2
Mohsen saeidi
◂ 17 years at Ansar Bank
◂ SME Banking services manager
at Ansar Bank
◂ Gamification Certificate earned on
December 20, 2015
◂ IGA content writer
◂ Co-founder of WillBeeen startup(failed)
https://www.linkedin.com/in/mohsensaeidi
@msnsaeidi
Banking and payment in Iran
3
Traditional
Banking
Online
Banking
ATM
Mobile and
Internet
Banking
PSP and
Payments App
(Internet and
USSD)
Fintech
Digital
Banking
Fintechs
4
◂ Payment
◂ Money Management
◂ Insurtech
◂ Lending
◂ Everyday Banking
◂ International Money Transfer
◂ Cryptocurrency
◂ Wealthtech
◂ regtech
5
Fintech problems in iran
● Unfamiliarity with fintech Services
● Provide all banking services
at Mobile and Internet Bank
● Payments are dominated by PSP
● Regulatory
● Mistrust
● Value proposition
1.
What is the
behavior
How to change it ???
“ Information or education
does very little to influence
behavior change. If that
worked, no one would be
texting while driving on
our roads today.
7
what behaviors does
fintech expect from users
◂ More transaction
◂ engagement
◂ Invite friends
◂ And ...
8
Gamification
The ideal and truly successful
Gamification is one where at
least a single person continues
the encouraged behavior long
after the Gamification is ended.
9
1. Engagement loops
2. Progression loops
3. Good trigger
Behavior change in gamification
10
Engagement
loops
11
Progression loops
12
● Discovery
● Onboarding
● Scaffolding
● End game (mastery)
Discovery - driver and mechanic example
13
1 2 3 4
FOGG behavior model
14
FOGG behavior model
15
Motivation :
Sensation, Anticipation, Belonging
Ability:
Time, Money, Physical Effort, thought, Social deviance, Non-routine,
Trigger :
Spark, facilitator, signal
16
Hooked
Empathy
Empathy is the experience
of understanding another
person's thoughts, feelings,
and condition from their
point of view, rather than
from your own
Thanks!
18
Winner Makes mistakes and says: 'I was wrong.'
Loser Says: 'It wasn't my fault'

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How Fintech Uses Gamification to Change User Behavior