Muhammad Andreansyah Ilham Sembiring Andre (1), Sri Ramadhani (2), Muhammad Syahbudi (3)
General Background: The rapid digital transformation in Indonesia's Islamic banking sector aims to improve service quality and financial inclusion through mobile applications. Specific Background: Despite technological advancements, user engagement with digital Islamic savings remains low, highlighting a need for innovative strategies. Knowledge Gap: Limited research exists on the role of gamification in enhancing engagement with Sharia-based digital financial products, especially outside Java. Aims: This study investigates user perceptions of gamification elements—such as daily missions, challenges, and progress bars—on engagement with Bank Jago Syariah's mobile savings platform in Medan. Results: Using the Technology Acceptance Model, findings from 30 users show that perceived enjoyment (score: 85), usefulness (82), and intention to use (81) are all rated highly. Qualitative insights confirm that gamification motivates users and improves satisfaction. Novelty: This research offers a regional perspective from Medan, filling a geographic and thematic gap by integrating Sharia values with gamification design. Implications: The results suggest that interactive, Sharia-compliant gamification features can effectively boost user loyalty and should be strategically implemented in Islamic fintech development.Highlight :
Keywords : Gamification, Tabungan Syariah Digital, Keterlibatan Pengguna, TAM, Bank Jago Syariah
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