{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,24]],"date-time":"2026-04-24T17:04:18Z","timestamp":1777050258514,"version":"3.51.4"},"reference-count":112,"publisher":"Emerald","issue":"3","license":[{"start":{"date-parts":[[2020,11,25]],"date-time":"2020-11-25T00:00:00Z","timestamp":1606262400000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["JSIT"],"published-print":{"date-parts":[[2020,12,11]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title><jats:p>The extended unified theory of acceptance and use of technology (UTAUT2) model has been adapted and applied by scholars to gain insight into mobile banking (m-banking) usage. By combining three perspectives, UTAUT2, gamification (GM) and generational cohort theory, this study aims to investigate the factors which impact m-banking usage and examine the moderating effect of generations Y and Z on the relationship between GM and intention to use m-banking.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>The adopted model was tested in a quantitative study by using partial least square structural equation modelling. A total of 380 valid questionnaires from a transition country, Albania, have been examined.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>In the study, scientific evidence concerning the UTAUT2 model and GM elements are provided. Thus, facilitation conditions, habit and hedonic motivation were found to be significant determinants of GM. Moreover, the results revealed that age moderates the relationship between GM and behavioural intention (BI). Compared to generation Z, individuals born prior to 1996 (generation Y), exhibited a much stronger relationship.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Research limitations\/implications<\/jats:title><jats:p>Although Albania bears similarities with other transition countries in terms of regional, economic and political environments, the generalisation of these results to another context is rather limited.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title><jats:p>This paper offers a model integrating UTAUT2, GM and generational cohorts in the context of a transition country. The findings can be applied in the form of guidelines for a number of financial institutions.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>Besides identifying the determinants of m-banking adoption and GM, this study notably reveals the importance of generational cohorts because it governs the effect of GM on m-banking BI.<\/jats:p><\/jats:sec>","DOI":"10.1108\/jsit-01-2020-0005","type":"journal-article","created":{"date-parts":[[2020,11,25]],"date-time":"2020-11-25T05:45:02Z","timestamp":1606283102000},"page":"243-263","source":"Crossref","is-referenced-by-count":47,"title":["Mobile banking usage and gamification: the moderating effect of generational cohorts"],"prefix":"10.1108","volume":"22","author":[{"given":"Gentjan","family":"\u00c7era","sequence":"first","affiliation":[]},{"given":"Ina","family":"Pagria","sequence":"additional","affiliation":[]},{"given":"Khurram Ajaz","family":"Khan","sequence":"additional","affiliation":[]},{"given":"Lindita","family":"Muaremi","sequence":"additional","affiliation":[]}],"member":"140","published-online":{"date-parts":[[2020,11,25]]},"reference":[{"issue":"2","key":"key2021102511155899000_ref001","doi-asserted-by":"crossref","first-page":"179","DOI":"10.1016\/0749-5978(91)90020-T","article-title":"The theory of planned behavior","volume":"50","year":"1991","journal-title":"Organizational Behavior and Human Decision Processes"},{"issue":"3","key":"key2021102511155899000_ref002","doi-asserted-by":"crossref","first-page":"99","DOI":"10.1016\/j.ijinfomgt.2017.01.002","article-title":"Factors influencing adoption of mobile banking by Jordanian bank customers: extending UTAUT2 with trust","volume":"37","year":"2017","journal-title":"International Journal of Information Management"},{"issue":"2","key":"key2021102511155899000_ref003","doi-asserted-by":"crossref","first-page":"145","DOI":"10.1057\/fsm.2015.5","article-title":"Consumer adoption of internet banking in Jordan: examining the role of hedonic motivation, habit, self-efficacy and trust","volume":"20","year":"2015","journal-title":"Journal of Financial Services Marketing"},{"issue":"5","key":"key2021102511155899000_ref004","first-page":"370","article-title":"A study on factors influencing the adoption of a crowdsourcing mobile application among generation Y and Z in Maldives","volume":"7","year":"2019","journal-title":"International Journal of Recent Technology and Engineering"},{"issue":"4","key":"key2021102511155899000_ref005","first-page":"379","article-title":"Mobile banking adoption: application of diffusion of innovation theory","volume":"13","year":"2012","journal-title":"Journal of Electronic Commerce Research"},{"key":"key2021102511155899000_ref006","doi-asserted-by":"crossref","first-page":"102102","DOI":"10.1016\/j.ijinfomgt.2020.102102","article-title":"Digital payment and banking adoption research in Gulf countries: a systematic literature review","volume":"53","year":"2020","journal-title":"International Journal of Information Management"},{"key":"key2021102511155899000_ref007","doi-asserted-by":"crossref","first-page":"19","DOI":"10.1007\/978-3-319-45557-0_2","article-title":"Gamification and behaviour","volume-title":"Gamification","year":"2017"},{"key":"key2021102511155899000_ref008","doi-asserted-by":"crossref","first-page":"148","DOI":"10.1016\/j.chb.2018.07.045","article-title":"An examination of the gender gap in smartphone adoption and use in Arab countries: a cross-national study","volume":"89","year":"2018","journal-title":"Computers in Human Behavior"},{"key":"key2021102511155899000_ref009","doi-asserted-by":"crossref","first-page":"38","DOI":"10.1016\/j.ijinfomgt.2018.09.002","article-title":"Consumer use of mobile banking (M-Banking) in Saudi Arabia: towards an integrated model","volume":"44","year":"2019","journal-title":"International Journal of Information Management"},{"issue":"2","key":"key2021102511155899000_ref010","doi-asserted-by":"crossref","first-page":"452","DOI":"10.1108\/IJBM-07-2018-0183","article-title":"An integrated model for m-banking adoption in Saudi Arabia","volume":"37","year":"2019","journal-title":"International Journal of Bank Marketing"},{"issue":"1","key":"key2021102511155899000_ref011","doi-asserted-by":"crossref","first-page":"8","DOI":"10.1007\/s11747-011-0278-x","article-title":"Specification, evaluation, and interpretation of structural equation models","volume":"40","year":"2012","journal-title":"Journal of the Academy of Marketing Science"},{"issue":"1","key":"key2021102511155899000_ref012","doi-asserted-by":"crossref","first-page":"118","DOI":"10.1108\/IntR-10-2015-0295","article-title":"Why so serious? Gamification impact in the acceptance of mobile banking services","volume":"27","year":"2017","journal-title":"Internet Research"},{"key":"key2021102511155899000_ref013","article-title":"Gamification and serious games: a literature meta-analysis and integrative model","volume":"92","year":"2019","journal-title":"Computers in Human Behavior"},{"issue":"2","key":"key2021102511155899000_ref014","first-page":"284","article-title":"The partial least squares (PLS) approach to causal modeling: personal computer adoption and use as an illustration","volume":"2","year":"1995","journal-title":"Technology Studies: Special Issue on Research Methodology"},{"issue":"4","key":"key2021102511155899000_ref015","doi-asserted-by":"crossref","first-page":"105","DOI":"10.7441\/joc.2016.04.07","article-title":"The employees of baby boomers generation, generation X, generation Y and generation Z in selected Czech corporations as conceivers of development and competitiveness in their corporation","volume":"8","year":"2016","journal-title":"Journal of Competitiveness"},{"issue":"4","key":"key2021102511155899000_ref016","doi-asserted-by":"crossref","first-page":"799","DOI":"10.1177\/0266666915570764","article-title":"An extended UTAUT model to explain the adoption of mobile banking","volume":"32","year":"2016","journal-title":"Information Development"},{"issue":"3","key":"key2021102511155899000_ref017","doi-asserted-by":"crossref","first-page":"399","DOI":"10.2307\/25148690","article-title":"Model of adoption of technology in households: a baseline model test and extension incorporating household life cycle","volume":"29","year":"2005","journal-title":"MIS Quarterly: Management Information Systems"},{"key":"key2021102511155899000_ref018","first-page":"132a","article-title":"Adoption of mobile devices\/services \u2013 searching for answers with the UTAUT","year":"2006"},{"issue":"2","key":"key2021102511155899000_ref08a","doi-asserted-by":"publisher","first-page":"156","DOI":"10.15240\/tul\/001\/2020-2-011","article-title":"Financial capability and technology implications for online shopping","volume":"23","year":"2020","journal-title":"E&M Economics and Management"},{"key":"key2021102511155899000_ref019","doi-asserted-by":"crossref","first-page":"57","DOI":"10.1016\/j.jretconser.2016.11.009","article-title":"Explaining adoption of mobile banking with the theory of trying, general self-confidence, and cynicism","volume":"35","year":"2017","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"2","key":"key2021102511155899000_ref020","doi-asserted-by":"crossref","first-page":"1","DOI":"10.4018\/IJGBL.2019040101","article-title":"Students\u2019 acceptance of gamification in higher education","volume":"9","year":"2019","journal-title":"International Journal of Game-Based Learning"},{"issue":"4","key":"key2021102511155899000_ref021","doi-asserted-by":"crossref","first-page":"473","DOI":"10.1108\/13555851011090510","article-title":"The antecedents and consequents of relationship quality in internet shopping","volume":"22","year":"2010","journal-title":"Asia Pacific Journal of Marketing and Logistics"},{"issue":"2","key":"key2021102511155899000_ref022","doi-asserted-by":"crossref","first-page":"189","DOI":"10.2307\/249688","article-title":"Computer self-efficacy: development of a measure and initial test","volume":"19","year":"1995","journal-title":"MIS Quarterly"},{"issue":"3","key":"key2021102511155899000_ref023","doi-asserted-by":"crossref","first-page":"319","DOI":"10.2307\/249008","article-title":"Perceived usefulness, perceived ease of use, and user acceptance of information technology","volume":"13","year":"1989","journal-title":"MIS Quarterly"},{"issue":"14","key":"key2021102511155899000_ref024","doi-asserted-by":"crossref","first-page":"1111","DOI":"10.1111\/j.1559-1816.1992.tb00945.x","article-title":"Extrinsic and intrinsic motivation to use computers in the workplace","volume":"22","year":"1992","journal-title":"Journal of Applied Social Psychology"},{"issue":"2","key":"key2021102511155899000_ref025","first-page":"264","article-title":"The increased use of information and communication technology (ICT) among employees: implications for work-life interaction","volume":"19","year":"2016","journal-title":"South African Journal of Economic and Management Sciences"},{"key":"key2021102511155899000_ref026","unstructured":"Desjardins, J. (2019), \u201cMeet generation Z: the newest member to the workforce\u201d, Visual Capitalist, available at: www.visualcapitalist.com\/meet-generation-z-the-newest-member-to-the-workforce\/ (accessed 27 July 2019)."},{"key":"key2021102511155899000_ref027","first-page":"9","article-title":"From game design elements to gamefulness: Defining \u2018gamification","volume-title":"MindTrek \u201811: Proceedings of the 15th International Academic MindTrek Conference: Envisioning Future Media Environments","year":"2011"},{"key":"key2021102511155899000_ref028","first-page":"1","article-title":"Gamification: toward a definition","volume-title":"CHI 2011 Gamification Workshop Proceedings","year":"2011"},{"key":"key2021102511155899000_ref029","doi-asserted-by":"publisher","DOI":"10.1145\/1979742.1979575","article-title":"Gamification. using game-design elements in non-gaming contexts","volume-title":"Proceedings of the 2011 Annual Conference Extended Abstracts on Human Factors in Computing Systems \u2013 CHI EA \u201811","year":"2011"},{"key":"key2021102511155899000_ref030","doi-asserted-by":"publisher","volume-title":"Balkan Futures Three Scenarios for 2025","year":"2018","DOI":"10.2815\/82269"},{"issue":"4","key":"key2021102511155899000_ref031","doi-asserted-by":"crossref","first-page":"346","DOI":"10.1108\/JSIT-06-2016-0037","article-title":"Influence of performance expectancy on commercial farmers\u2019 intention to use mobile-based communication technologies for agricultural market information dissemination in Uganda","volume":"18","year":"2016","journal-title":"Journal of Systems and Information Technology"},{"issue":"3","key":"key2021102511155899000_ref032","doi-asserted-by":"crossref","first-page":"209","DOI":"10.1016\/j.intmar.2009.04.006","article-title":"Attribute perceptions, customer satisfaction and intention to recommend E-Services","volume":"23","year":"2009","journal-title":"Journal of Interactive Marketing"},{"key":"key2021102511155899000_ref033","volume-title":"Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research","year":"1975"},{"key":"key2021102511155899000_ref034","unstructured":"Fogg, B.J. (2013), \u201cFogg method. Fogg method: 3 steps to changing behaviour\u201d, available at: www.foggmethod.com"},{"key":"key2021102511155899000_ref035","volume-title":"Marketing to Gen Z","year":"2018"},{"key":"key2021102511155899000_ref036","first-page":"1","article-title":"The gamification: applications and developments for creativity and education","volume":"2","year":"2013","journal-title":"Creativity and Innovation in Education"},{"issue":"8","key":"key2021102511155899000_ref037","first-page":"2023","article-title":"Determinants of intention to use mobile banking in the North of Jordan: extending UTAUT2 with mass media and trust","volume":"13","year":"2018","journal-title":"Journal of Engineering and Applied Sciences, Medwell Journals"},{"issue":"1","key":"key2021102511155899000_ref038","first-page":"47","article-title":"Perception of young consumers on mobile phone applications in Malaysia","volume":"15","year":"2011","journal-title":"World Applied Sciences Journal"},{"issue":"1","key":"key2021102511155899000_ref039","first-page":"63","article-title":"The moderating role of cultural factors in the adoption of mobile banking in Brazil","volume":"11","year":"2018","journal-title":"International Journal of Innovation Science"},{"key":"key2021102511155899000_ref040","volume-title":"Multivariate Data Analysis","year":"2010","edition":"7th ed"},{"key":"key2021102511155899000_ref041","volume-title":"A Primer on Partial Least Squares Structural Equation Modeling","year":"2017","edition":"2nd ed."},{"issue":"1","key":"key2021102511155899000_ref042","doi-asserted-by":"crossref","first-page":"2","DOI":"10.1108\/EBR-11-2018-0203","article-title":"When to use and how to report the results of PLS-SEM","volume":"31","year":"2019","journal-title":"European Business Review"},{"key":"key2021102511155899000_ref043","doi-asserted-by":"publisher","DOI":"10.1016\/j.chb.2015.04.018","article-title":"Working out for likes\u2019: an empirical study on social influence in exercise gamification","volume":"50","year":"2015","journal-title":"Computers in Human Behavior"},{"key":"key2021102511155899000_ref044","doi-asserted-by":"publisher","DOI":"10.1016\/j.compedu.2014.08.019","article-title":"Assessing the effects of gamification in the classroom: a longitudinal study on intrinsic motivation, social comparison, satisfaction, effort, and academic performance","year":"2015","journal-title":"Computers and Education"},{"issue":"4","key":"key2021102511155899000_ref045","doi-asserted-by":"crossref","first-page":"587","DOI":"10.1108\/IJBM-04-2015-0056","article-title":"Consumer preferences for banking technologies by age groups","volume":"34","year":"2016","journal-title":"International Journal of Bank Marketing"},{"issue":"1","key":"key2021102511155899000_ref046","doi-asserted-by":"crossref","first-page":"115","DOI":"10.1007\/s11747-014-0403-8","article-title":"A new criterion for assessing discriminant validity in variance-based structural equation modeling","volume":"43","year":"2015","journal-title":"Journal of the Academy of Marketing Science"},{"issue":"3","key":"key2021102511155899000_ref047","doi-asserted-by":"crossref","first-page":"619","DOI":"10.1007\/s11257-019-09223-w","article-title":"Gameful experience questionnaire (GAMEFULQUEST): an instrument for measuring the perceived gamefulness of system use","volume":"29","year":"2019","journal-title":"User Modeling and User-Adapted Interaction"},{"issue":"2","key":"key2021102511155899000_ref048","first-page":"60","article-title":"The analysis of influencing factors and promotion strategy for the use of mobile banking","volume":"7","year":"2011","journal-title":"Canadian Journal of Social Science"},{"key":"key2021102511155899000_ref049","volume-title":"The Silent Revolution: Changing Values and Political Styles among Western Publics","year":"2015"},{"issue":"1","key":"key2021102511155899000_ref050","doi-asserted-by":"crossref","first-page":"57","DOI":"10.1108\/IJSE-10-2016-0283","article-title":"Mobile banking behavior and flow experience: an integration of utilitarian features, hedonic features and trust","volume":"45","year":"2018","journal-title":"International Journal of Social Economics"},{"key":"key2021102511155899000_ref051","first-page":"1","article-title":"Social motivations to use gamification: an empirical study of gamifying exercise","year":"2013"},{"key":"key2021102511155899000_ref052","doi-asserted-by":"crossref","first-page":"252","DOI":"10.1016\/j.ijinfomgt.2018.08.014","article-title":"How perceived value drives the use of mobile financial services apps","volume":"47","year":"2019","journal-title":"International Journal of Information Management"},{"issue":"4","key":"key2021102511155899000_ref053","doi-asserted-by":"crossref","first-page":"361","DOI":"10.1108\/09604520710760526","article-title":"The value of different customer satisfaction and loyalty metrics in predicting customer retention, recommendation, and share-of-wallet","volume":"17","year":"2007","journal-title":"Managing Service Quality: An International Journal"},{"key":"key2021102511155899000_ref054","unstructured":"Kenny, D. (2018), \u201cModeration\u201d, available at: http:\/\/davidakenny.net\/cm\/moderation.htm"},{"issue":"19","key":"key2021102511155899000_ref055","doi-asserted-by":"crossref","first-page":"8483","DOI":"10.1007\/s11042-013-1612-8","article-title":"Dynamical model for gamification of learning (DMGL)","volume":"74","year":"2015","journal-title":"Multimedia Tools and Applications"},{"issue":"3","key":"key2021102511155899000_ref056","doi-asserted-by":"crossref","first-page":"167","DOI":"10.1016\/j.intmar.2014.02.001","article-title":"What we know and don\u2019t know about online word-of-mouth: a review and synthesis of the literature","volume":"28","year":"2014","journal-title":"Journal of Interactive Marketing"},{"issue":"1","key":"key2021102511155899000_ref057","doi-asserted-by":"crossref","first-page":"238","DOI":"10.1177\/0972150916666991","article-title":"Extending the TAM model: intention of management students to use mobile banking: evidence from India","volume":"18","year":"2017","journal-title":"Global Business Review"},{"issue":"7","key":"key2021102511155899000_ref058","doi-asserted-by":"crossref","first-page":"568","DOI":"10.1108\/08876040810909695","article-title":"Age differences in mobile service perceptions: comparison of generation Y and baby boomers","volume":"22","year":"2008","journal-title":"Journal of Services Marketing"},{"key":"key2021102511155899000_ref059","doi-asserted-by":"crossref","unstructured":"Langfield, S. and Pagano, M. (2015), \u201cBank bias in Europe: effects on systemic risk and growth\u201d, No. 1797, ECB Working Paper Series, Frankfurt.","DOI":"10.2139\/ssrn.2621554"},{"issue":"2","key":"key2021102511155899000_ref060","doi-asserted-by":"crossref","first-page":"86","DOI":"10.1057\/palgrave.fsm.4760077","article-title":"Mobile banking innovators and early adopters: how they differ from other online users?","volume":"13","year":"2008","journal-title":"Journal of Financial Services Marketing"},{"issue":"2","key":"key2021102511155899000_ref061","doi-asserted-by":"crossref","first-page":"205","DOI":"10.13106\/jafeb.2020.vol7.no2.205","article-title":"Factor affecting customers\u2019 decision to use mobile banking service: a case of Thanh Hoa province, Vietnam","volume":"7","year":"2020","journal-title":"The Journal of Asian Finance, Economics and Business"},{"issue":"1","key":"key2021102511155899000_ref062","first-page":"1","article-title":"The role of gamification in brand app experience: the moderating effects of the 4Rs of app marketing","volume":"6","year":"2019","journal-title":"Cogent Psychology"},{"issue":"4","key":"key2021102511155899000_ref063","doi-asserted-by":"crossref","first-page":"705","DOI":"10.2307\/25148817","article-title":"How habit limits the predictive power of intention","volume":"31","year":"2007","journal-title":"MIS Quarterly"},{"issue":"4","key":"key2021102511155899000_ref08b","doi-asserted-by":"publisher","first-page":"295","DOI":"10.1007\/s11628-011-0115-9","article-title":"Gender differences in the linkage of online patronage behavior with TV-and-online shopping values","volume":"5","year":"2011","journal-title":"Service Business"},{"key":"key2021102511155899000_ref064","doi-asserted-by":"crossref","first-page":"304","DOI":"10.1016\/j.jretconser.2016.04.015","article-title":"Generation X vs Generation Y - a decade of online shopping","volume":"31","year":"2016","journal-title":"Journal of Retailing and Consumer Services"},{"issue":"4","key":"key2021102511155899000_ref065","doi-asserted-by":"crossref","first-page":"1011","DOI":"10.25300\/MISQ\/2017\/41.4.01","article-title":"Toward meaningful engagement: a framework for design and research of gamified information systems","volume":"41","year":"2017","journal-title":"MIS Quarterly"},{"issue":"1","key":"key2021102511155899000_ref066","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/j.ijinfomgt.2013.06.002","article-title":"Understanding the internet banking adoption: a unified theory of acceptance and use of technology and perceived risk application","volume":"34","year":"2014","journal-title":"International Journal of Information Management"},{"issue":"7","key":"key2021102511155899000_ref067","doi-asserted-by":"crossref","first-page":"1351","DOI":"10.1016\/j.tele.2016.08.009","article-title":"Word of mouth impact on the adoption of mobile banking in Iran","volume":"34","year":"2017","journal-title":"Telematics and Informatics"},{"key":"key2021102511155899000_ref068","first-page":"101151","article-title":"A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: extending UTAUT2 with security, privacy and trust","volume-title":"Technology in Society","year":"2019"},{"issue":"2","key":"key2021102511155899000_ref069","doi-asserted-by":"publisher","DOI":"10.1007\/s10869-010-9164-7","article-title":"Generational differences in work ethic: an examination of measurement equivalence across three cohorts","volume":"25","year":"2010","journal-title":"Journal of Business and Psychology"},{"key":"key2021102511155899000_ref070","doi-asserted-by":"crossref","first-page":"103","DOI":"10.1016\/j.dss.2013.05.010","article-title":"Determinants of end-user acceptance of biometrics: integrating the \u2018big 3\u2019 of technology acceptance with privacy context","volume":"56","year":"2013","journal-title":"Decision Support Systems"},{"issue":"9","key":"key2021102511155899000_ref071","first-page":"1521","article-title":"Analysis and development of technology acceptance model in mobile bank field","volume":"31","year":"2018","journal-title":"International Journal of Engineering"},{"issue":"2","key":"key2021102511155899000_ref072","doi-asserted-by":"crossref","first-page":"507","DOI":"10.1108\/ITP-09-2016-0212","article-title":"Managers\u2019 perception of mobile technology adoption in the life insurance industry","volume":"31","year":"2018","journal-title":"Information Technology and People"},{"issue":"2","key":"key2021102511155899000_ref073","doi-asserted-by":"crossref","first-page":"364","DOI":"10.1108\/ITP-08-2017-0257","article-title":"Citizens\u2019 intention to use and recommend e-participation","volume":"32","year":"2019","journal-title":"Information Technology and People"},{"issue":"8","key":"key2021102511155899000_ref074","doi-asserted-by":"crossref","first-page":"11160","DOI":"10.3390\/su70811160","article-title":"Exploring gamification techniques and applications for sustainable tourism","volume":"7","year":"2015","journal-title":"Sustainability ( Sustainability)"},{"issue":"3","key":"key2021102511155899000_ref075","doi-asserted-by":"publisher","DOI":"10.1007\/s10639-019-10057-7","article-title":"Are we ready for gamification? An exploratory analysis in a developing country","volume":"25","year":"2019","journal-title":"Education and Information Technologies"},{"key":"key2021102511155899000_ref076","doi-asserted-by":"crossref","first-page":"404","DOI":"10.1016\/j.chb.2016.03.030","article-title":"Mobile payment: understanding the determinants of customer adoption and intention to recommend the technology","volume":"61","year":"2016","journal-title":"Computers in Human Behavior"},{"issue":"3","key":"key2021102511155899000_ref077","doi-asserted-by":"crossref","first-page":"156","DOI":"10.4067\/S0718-18762019000300109","article-title":"The adoption of students\u2019 hedonic motivation system model to gamified learning environment","volume":"14","year":"2019","journal-title":"Journal of Theoretical and Applied Electronic Commerce Research"},{"issue":"1","key":"key2021102511155899000_ref078","doi-asserted-by":"crossref","first-page":"118","DOI":"10.1108\/JEIM-03-2018-0055","article-title":"Acceptance and use of mobile banking: an application of UTAUT2","volume":"32","year":"2019","journal-title":"Journal of Enterprise Information Management"},{"issue":"1","key":"key2021102511155899000_ref079","first-page":"1","article-title":"Marketing to the (new) generations: summary and perspectives","volume":"3","year":"2011","journal-title":"Journal of Behavioral Studies in Business"},{"issue":"2","key":"key2021102511155899000_ref080","doi-asserted-by":"publisher","DOI":"10.1016\/j.jretconser.2012.12.001","article-title":"Generation Y vs Baby boomers: shopping behavior, buyer involvement and implications for retailing","volume":"20","year":"2013","journal-title":"Journal of Retailing and Consumer Services"},{"key":"key2021102511155899000_ref081","first-page":"365","article-title":"Acceptance requirements and their gamification solutions","volume":"2016","year":"2016","journal-title":"Proceedings \u2013 2016 IEEE 24th International Requirements Engineering Conference, RE"},{"issue":"1","key":"key2021102511155899000_ref082","doi-asserted-by":"crossref","first-page":"2","DOI":"10.1108\/IJILT-05-2018-0045","article-title":"Does gamified elements influence on user\u2019s intention to adopt and intention to recommend internet banking?","volume":"36","year":"2019","journal-title":"The International Journal of Information and Learning Technology"},{"key":"key2021102511155899000_ref083","unstructured":"Ringle, C.M. Wende, S. and Becker, J.-M. (2015), \u201cSmartPLS, SmartPLS GmbH, boenningstedt\u201d, available at: www.smartpls.com"},{"key":"key2021102511155899000_ref084","doi-asserted-by":"crossref","first-page":"51","DOI":"10.1007\/978-3-319-45557-0_4","article-title":"Customer-Oriented strategies and gamification \u2013 the example of open customer innovation","volume-title":"Gamification","year":"2017"},{"key":"key2021102511155899000_ref085","doi-asserted-by":"crossref","first-page":"163","DOI":"10.1016\/j.chb.2017.04.034","article-title":"How does the web game design influence the behavior of e-banking users?","volume":"74","year":"2017","journal-title":"Computers in Human Behavior"},{"key":"key2021102511155899000_ref086","doi-asserted-by":"crossref","first-page":"392","DOI":"10.1016\/j.chb.2016.05.063","article-title":"Playing seriously \u2013 how gamification and social cues influence bank customers to use gamified e-business applications","volume":"63","year":"2016","journal-title":"Computers in Human Behavior"},{"key":"key2021102511155899000_ref087","volume-title":"Diffusion of Innovations","year":"1995","edition":"3rd ed."},{"issue":"3\/5","key":"key2021102511155899000_ref088","first-page":"197","article-title":"Adoption of mobile banking services: an empirical examination between gen Y and gen Z in Thailand","volume":"9","year":"2017","journal-title":"Journal of Telecommunication, Electronic and Computer Engineering"},{"issue":"2\/3\/4","key":"key2021102511155899000_ref089","doi-asserted-by":"crossref","first-page":"149","DOI":"10.1504\/IJEF.2015.070528","article-title":"Consumers\u2019 perceptions of mobile banking continuous usage in Finland and South Africa","volume":"8","year":"2015","journal-title":"International Journal of Electronic Finance"},{"issue":"3","key":"key2021102511155899000_ref090","doi-asserted-by":"crossref","first-page":"208","DOI":"10.1057\/fsm.2015.14","article-title":"Continuous mobile banking usage and relationship commitment \u2013 a multi-country assessment","volume":"20","year":"2015","journal-title":"Journal of Financial Services Marketing"},{"key":"key2021102511155899000_ref092","doi-asserted-by":"crossref","first-page":"65","DOI":"10.1016\/j.ijinfomgt.2018.09.013","article-title":"Examining the role of trust and quality dimensions in the actual usage of mobile banking services: an empirical investigation","volume":"44","year":"2019","journal-title":"International Journal of Information Management"},{"issue":"1","key":"key2021102511155899000_ref091","doi-asserted-by":"crossref","first-page":"133","DOI":"10.1108\/RIBS-11-2016-0074","article-title":"A multi-analytical model for mobile banking adoption: a developing country perspective","volume":"27","year":"2017","journal-title":"Review of International Business and Strategy"},{"issue":"3","key":"key2021102511155899000_ref093","doi-asserted-by":"crossref","first-page":"189","DOI":"10.1007\/s12525-014-0179-1","article-title":"The application and impact of gamification funware on trip planning and experiences: the case of TripAdvisor\u2019s funware","volume":"25","year":"2015","journal-title":"Electronic Markets"},{"issue":"6","key":"key2021102511155899000_ref094","doi-asserted-by":"crossref","first-page":"1070","DOI":"10.1108\/ITP-02-2017-0054","article-title":"Gamification in aquarium context: intention to play game that imparts knowledge and promotes marine animal conservation","volume":"31","year":"2018","journal-title":"Information Technology and People"},{"issue":"1","key":"key2021102511155899000_ref095","doi-asserted-by":"crossref","first-page":"18","DOI":"10.1108\/YC-07-2015-00537","article-title":"Behavioural intention to adopt mobile banking among the millennial generation","volume":"17","year":"2016","journal-title":"Young Consumers"},{"issue":"2","key":"key2021102511155899000_ref096","doi-asserted-by":"crossref","first-page":"144","DOI":"10.1287\/isre.6.2.144","article-title":"Understanding information technology usage: a test of competing models","volume":"6","year":"1995","journal-title":"Information Systems Research"},{"key":"key2021102511155899000_ref097","first-page":"1","article-title":"Gamifying information systems-a synthesis of gamification mechanics and dynamics","volume-title":"Twenty Second European Conference on Information Systems, Tel Aviv 2014, The European Conferences of Information Systems, Tel Aviv","year":"2014"},{"issue":"1","key":"key2021102511155899000_ref098","doi-asserted-by":"crossref","first-page":"125","DOI":"10.2307\/249443","article-title":"Personal computing: toward a conceptual model of utilization","volume":"15","year":"1991","journal-title":"MIS Quarterly"},{"issue":"3","key":"key2021102511155899000_ref099","doi-asserted-by":"crossref","first-page":"278","DOI":"10.1108\/JSIT-11-2017-0107","article-title":"Integrating UTAUT and UGT to explain behavioural intention to use M-learning: a developing country\u2019s perspective","volume":"20","year":"2018","journal-title":"Journal of Systems and Information Technology"},{"key":"key2021102511155899000_ref0100","doi-asserted-by":"crossref","first-page":"113167","DOI":"10.1016\/j.dss.2019.113167","article-title":"Gamification and online consumer decisions: is the game over?","volume":"128","year":"2020","journal-title":"Decision Support Systems"},{"issue":"2","key":"key2021102511155899000_ref0101","first-page":"5","article-title":"Structural equation modeling in information systems research using partial least squares","volume":"11","year":"2010","journal-title":"Journal of Information Technology Theory and Application"},{"issue":"3","key":"key2021102511155899000_ref0102","doi-asserted-by":"crossref","first-page":"132","DOI":"10.1057\/s41264-017-0031-8","article-title":"Financial services apps: what makes the difference between a great and a ghastly review?","volume":"22","year":"2017","journal-title":"Journal of Financial Services Marketing"},{"issue":"1","key":"key2021102511155899000_ref0104","doi-asserted-by":"crossref","first-page":"157","DOI":"10.2307\/41410412","article-title":"Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology","volume":"36","year":"2012","journal-title":"MIS Quarterly"},{"key":"key2021102511155899000_ref0103","first-page":"425","article-title":"User acceptance of information technology: toward a unified view","volume-title":"MIS Quarterly","year":"2003"},{"key":"key2021102511155899000_ref0105","volume-title":"European Integration of Western Balkans: From Reconciliation to European Future","year":"2012"},{"key":"key2021102511155899000_ref0106","doi-asserted-by":"crossref","first-page":"459","DOI":"10.1016\/j.chb.2017.03.066","article-title":"Examining the impact of gamification on intention of engagement and brand attitude in the marketing context","volume":"73","year":"2017","journal-title":"Computers in Human Behavior"},{"issue":"2","key":"key2021102511155899000_ref0107","doi-asserted-by":"crossref","first-page":"31","DOI":"10.1177\/002224299606000203","article-title":"The behavioral consequences of service quality","volume":"60","year":"1996","journal-title":"Journal of Marketing"},{"issue":"1","key":"key2021102511155899000_ref0108","doi-asserted-by":"crossref","first-page":"77","DOI":"10.1353\/apr.2020.0003","article-title":"Internet usage and rural self-employment in China","volume":"44","year":"2020","journal-title":"Asian Perspective"},{"issue":"4","key":"key2021102511155899000_ref0109","doi-asserted-by":"crossref","first-page":"760","DOI":"10.1016\/j.chb.2010.01.013","article-title":"Integrating TTF and UTAUT to explain mobile banking user adoption","volume":"26","year":"2010","journal-title":"Computers in Human Behavior"},{"key":"key2021102511155899000_ref0110","volume-title":"Gamification by Design: Implementing Game Mechanics in Web and Mobile Apps","year":"2011"}],"container-title":["Journal of Systems and Information Technology"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JSIT-01-2020-0005\/full\/xml","content-type":"application\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/www.emerald.com\/insight\/content\/doi\/10.1108\/JSIT-01-2020-0005\/full\/html","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,7,24]],"date-time":"2025-07-24T22:23:37Z","timestamp":1753395817000},"score":1,"resource":{"primary":{"URL":"http:\/\/www.emerald.com\/jsit\/article\/22\/3\/243-263\/246344"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2020,11,25]]},"references-count":112,"journal-issue":{"issue":"3","published-online":{"date-parts":[[2020,11,25]]},"published-print":{"date-parts":[[2020,12,11]]}},"alternative-id":["10.1108\/JSIT-01-2020-0005"],"URL":"https:\/\/doi.org\/10.1108\/jsit-01-2020-0005","relation":{},"ISSN":["1328-7265","1328-7265"],"issn-type":[{"value":"1328-7265","type":"print"},{"value":"1328-7265","type":"print"}],"subject":[],"published":{"date-parts":[[2020,11,25]]}}}