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When Engagement Backfires: Gamification Susceptibility to Financial Misinformation

Management Analysis Journal · Vol. 14 No. 4 (2025) · hlm. 440–450

DOI
10.15294/maj.v14i4.47425
ISSN
2502-1451, 2252-6552
Terbit
2025-12-30
Penerbit
Universitas Negeri Semarang
Bahasa
eng
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This paper examines five theoretically motivated predictors of susceptibility: gamified financial literacy engagement, subjective financial literacy, emotion regulation, information framing preferences, and cognitive ability. These predictors are embedded within a dual process framework and tested using OLS regression with heteroscedasticity-consistent standard errors on survey data from N = 89 university-affiliated respondents in Indonesia. Two unexpected findings are reported. First, engagement with gamified financial literacy programs is positively and significantly associated with susceptibility, contrary to the hypothesized direction, interpreted as a gamification engagement-without-depth effect consistent with self-determination theory and the Dunning-Kruger literature on overconfidence. Second, information framing preferences are also positively associated, reflecting a ceiling effect and a loss-sensitivity dimension linked to financial anxiety. Financial literacy is negatively associated at a marginal level, while females are less susceptible than males. Objective financial knowledge shows near-zero predictive power, suggesting factual knowledge does not reduce susceptibility. Implications for financial education, consumer protection, and measurement are discussed.

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/maj/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">When Engagement Backfires: Gamification Susceptibility to Financial Misinformation</dc:title>
	<dc:creator xml:lang="en">Cahyaningdyah, Dwi</dc:creator>
	<dc:creator xml:lang="en">Wijayanto, Andhi</dc:creator>
	<dc:creator xml:lang="en">Abiprayu, Kris Brantas</dc:creator>
	<dc:creator xml:lang="en">Widia, Syam</dc:creator>
	<dc:creator xml:lang="en">Wicaksari, Erisa Aprilia</dc:creator>
	<dc:subject xml:lang="en">Financial Misinformation, Financial Bullshit, Gamification, Financial Literacy</dc:subject>
	<dc:description xml:lang="en">This paper examines five theoretically motivated predictors of susceptibility: gamified financial literacy engagement, subjective financial literacy, emotion regulation, information framing preferences, and cognitive ability. These predictors are embedded within a dual process framework and tested using OLS regression with heteroscedasticity-consistent standard errors on survey data from N = 89 university-affiliated respondents in Indonesia. Two unexpected findings are reported. First, engagement with gamified financial literacy programs is positively and significantly associated with susceptibility, contrary to the hypothesized direction, interpreted as a gamification engagement-without-depth effect consistent with self-determination theory and the Dunning-Kruger literature on overconfidence. Second, information framing preferences are also positively associated, reflecting a ceiling effect and a loss-sensitivity dimension linked to financial anxiety. Financial literacy is negatively associated at a marginal level, while females are less susceptible than males. Objective financial knowledge shows near-zero predictive power, suggesting factual knowledge does not reduce susceptibility. Implications for financial education, consumer protection, and measurement are discussed.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2025-12-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/maj/article/view/47425</dc:identifier>
	<dc:identifier>10.15294/maj.v14i4.47425</dc:identifier>
	<dc:source xml:lang="en">Management Analysis Journal; Vol. 14 No. 4 (2025): Special Edition; 440-450</dc:source>
	<dc:source>2502-1451</dc:source>
	<dc:source>2252-6552</dc:source>
	<dc:source>10.15294/maj.v13i4</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/maj/article/view/47425/10559</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Management Analysis Journal</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>