8. An, M. A., & Han, S. L. (2020). Effects of experiential motivation and customer engagement on customer value creation: Analysis of psychological process in the experience-based retail environment. Journal of Business Research, 120, 389-397. [DOI:10.1016/j.jbusres.2020.02.044]

9. Argo, J.J., Dahl, D.W. (2020). Social influence in the retail context: A contemporary review of the literature. J. Retail. 96 (1), 25-39. [DOI:10.1016/j.jretai.2019.12.005]

10. Baptista, G. & Oliveira, T. (2017). Why so serious? Gamification impact in the acceptance of mobile banking services. Internet Research, 27(1), 118-139. [DOI:10.1108/IntR-10-2015-0295]

11. Bayuk, J., & Altobello, S. A. (2019). Can gamification improve financial behavior? The moderating role of app expertise. International Journal of Bank Marketing, 37(4), 951-975. [DOI:10.1108/IJBM-04-2018-0086]

12. Bitri, J. H., Mendes, G. H., Teixeira, J. G., & Braatz, D. (2021). Gamification in the customer journey: A conceptual model and future research opportunities. Journal of Service Theory and Practice, 33(3), 352-386. [DOI:10.1108/JSTP-07-2022-0142]

13. Chauhan, S., Akhtar, A., & Gupta, A. (2021). Gamification in banking: A review, synthesis and setting research agenda. Young Consumers, 22(3), 456-479. [DOI:10.1108/YC-10-2020-1229]

14. Chen, T. Y., & Pan, Y. H. (2022). A study on the implementation of gamification in mobile payment services. Journal of the Korea Convergence Society, 13(4), 213-226.

15. Coletta, L., Vainieri, M., Noto, G., Murante, A.M. (2021). Assessing inter-organizational performance through customer value: A literature review. J. Bus. Ind. Mark. 36 (13), 15-27. [DOI:10.1108/JBIM-07-2020-0353]

16. Dessart, L., Veloutsou, C., Morgan-Thomas, A. (2016). Capturing consumer engagement: duality, dimensionality and measurement. J. Mark. Manag, 32 (5-6), 399-426. [DOI:10.1080/0267257X.2015.1130738]

17. Dzandu, M. D., Hanu, C., & Amegbe, H. (2022). Gamification of mobile money payment for generating customer value in emerging economies: The social impact theory perspective. Technological Forecasting and Social Change, 185, 122049. [DOI:10.1016/j.techfore.2022.122049]

18. Hannik, G., Jain, S., & Mishra, S. (2014). Enhancing affective commitment through gamified services of luxury brands: Role of game mechanics and self-congruity. Journal of Services Marketing, 37 (8), 1018-1031. [DOI:10.1108/JSM-06-2022-0217]

19. Izengrich, M. F., Xu, S., Rehman, O. U., & Javed, I. (2019). Impact of gamification on green consumption behavior integrating technological awareness, motivation, enjoyment and virtual CSR. Scientific Reports, 13(1), 21751.

20. Lach-Fernández, R., & Iniesta-Bonillo, M. Á. (2015). The concept of perceived value: A systematic review of the research. Marketing theory, 7(4), 427-451. [DOI:10.1177/1470593107083165]

21. Leclercq, T., Poncin, I., Hammedi, W. (2020). Opening the black box of gameful experience: implications for gamification process design. J. Retail. Consum. Serv. 52, 101882. [DOI:10.1016/j.jretconser.2019.07.007]

22. Li, F., Lu, H., Hou, M., Cui, K., & Darbandi, M. (2021). Customer satisfaction with bank services: The role of cloud services, security, e-learning and service quality. Technology in Society, 64, 101487. [DOI:10.1016/j.techsoc.2020.101487]

23. Manca, F., Sivakumar, A., Polak, J.W. (2022). Capturing the effect of multiple social influence sources on the adoption of new transport technologies and services. J. Choice Model, 42(2), 137-159. [DOI:10.1016/j.jocm.2022.100344]

24. Mishra, S., Pedada, K., & Sinha, A. (2020). A theory of marketing's contribution to customers' perceived value. Journal of Creating Value, 8(2), 219-240. [DOI:10.1177/23949643221118152]

25. Oliver, R. L. (1997). Cognitive, affective, and attribute bases of the satisfaction response. Journal of consumer research, 20(3), 418-430. [DOI:10.1086/209358]

26. Qian, T. Y., Matz, R., Luo, L., & Xu, C. (2022). Gamification for value creation and viewer engagement in gamified livestreaming services: The moderating role of gender in esports. Journal of Business Research, 145, 482-494. [DOI:10.1016/j.jbusres.2022.02.082]

27. Rafdinal, W., Senalasari, W. (2021). Predicting the adoption of mobile payment applications during the COVID-19 pandemic. Int. J. Bank Mark. 39 (6), 984-1002. [DOI:10.1108/IJBM-10-2020-0532]

28. Rather, R.A., Parrey, S.H., Gulzar, R., Rehman, S.U. (2022). Does gamification effect customer brand engagement and co-creation during pandemic? A moderatedmediation analysis. J. Glob. Scholars Market. 10(4), 110-100.

29. Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191-205. [DOI:10.1016/j.ijinfomgt.2019.05.022]

30. Sitthipon, T., Limna, P., Jaipong, P., Siripipattanakul, S., & Auttawechasakoon, P. (2022). Gamification predicting customers' repurchase intention via e-commerce platforms through mediating effect of customer satisfaction in Thailand. Review of Advanced Multidisciplinary Sciences, Engineering & Innovation, 1(1), 1-14.

31. Skinner, H., Sarpong, D. & White, G.R.T. (2018). Meeting the needs of the Millennials and Generation Z: Gamification in tourism through geocaching. Journal of Tourism Futures, 4 (1), 93-104. [DOI:10.1108/JTF-12-2017-0060]

32. Srivastava, G., Bag, S., Rahman, M. S., Pretorius, J. H. C., & Gani, M. O. (2022). Examining the dark side of using gamification elements in online community engagement: An application of PLS-SEM and ANN modeling. Benchmarking: An International Journal, 46(9), 751-651. [DOI:10.1108/BIJ-03-2022-0160]

33. Suh, A., Wagner, C., & Liu, L. (2018). Enhancing user engagement through gamification. Journal of Computer Information Systems, 58(3), 204-213. [DOI:10.1080/08874417.2016.1229143]

34. Torres, P., Augusto, M., & Neves, C. (2022). Value dimensions of gamification and their influence on brand loyalty and word‐of‐mouth: Relationships and combinations with satisfaction and brand love. Psychology & Marketing, 39(1), 59-75. [DOI:10.1002/mar.21573]

35. Verbakh, J., Koivisto, J., & Sarsa, H. (2013). Does gamification work? a literature review of empirical studies on gamification. In 2014 47th Hawaii international conference on system sciences (pp. 3025-3034). Ieee. [DOI:10.1109/HICSS.2014.377]

36. Wong, D., Liu, H., Meng-Lewis, Y., Sun, Y., & Zhang, Y. (2022). Gamified money: exploring the effectiveness of gamification in mobile payment adoption among the silver generation in China. Information Technology & People, 35(1), 281-315. [DOI:10.1108/ITP-09-2019-0456]

37. Yin, S., Cai, X., Wang, Z., Zhang, Y., Luo, S., & Ma, J. (2022). Impact of gamification elements on user satisfaction in health and fitness applications: A comprehensive approach based on the Kano model. Comput. Hum. Behav. 128, 107106. [DOI:10.1016/j.chb.2021.107106]