فهرست نشریات علمی دسترسی آزاد ایران

This study develops an optimization-based framework for gamification in financial technology (FinTech) to enhance customer loyalty and advance Sustainable Development Goals (SDGs). Data were collected from 33 empirical studies conducted between 2015 and 2025 and analyzed through meta-analysis using the Sidik-Jonkman method. The findings demonstrate that gamification features in FinTech platforms significantly strengthen customer loyalty (β = 5.066, p < 0.001), highlighting the central role of engagement mechanisms such as points, rewards, and leaderboards. The residual heterogeneity estimates (τ² = 0.002; I² = 0.604%) reveal low variability across studies, confirming the efficiency and reliability of optimization-driven gamification strategies. Moreover, results indicate that FinTech innovations contribute positively to sustainable development outcomes, with optimization-based gamification mediating between FinTech adoption and SDG achievements. The absence of publication bias (Egger's test: z = -0.543, p = 0.587) further reinforces the robustness of the findings. This study provides strong empirical evidence that integrating gamification with optimization techniques fosters customer loyalty and aligns digital finance practices with global sustainability priorities. It advances theoretical understanding of how digital engagement tools interact with optimization methods to produce measurable social and economic outcomes. It also offers actionable insights for researchers, policymakers, and industry practitioners. The framework opens new pathways for designing customer-centric FinTech solutions that drive business growth and contribute to realizing SDGs.