Document Type : Research Article
Authors
1 Amity University Haryana, Gurgaon, India
2 Department of Statistics & Operations Research, Aligarh Muslim University, Aligarh, India.
10.22054/jmmf.2025.88272.1213
Abstract
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.
Keywords
[1] Rahardja, U., Miftah, M., Rakhmansyah, M., and Zanubiya, J., Revolutionizing financial services with big data and fintech: A scalable approach to innovation, ADI J. Recent Innovation,
6(2) (2025), 118-129.
[2] Bolton, R. N., McColl-Kennedy, J. R., Cheung, L., Gallan, A., Orsingher, C., Witell, L.,
and Zaki, M., Customer experience challenges: bringing together digital, physical and social
realms, J. Service Management, 29(5) (2018), 776-808.
[3] Mauroner, O., Gamification in management and other non-game contextsunderstanding game
elements, motivation, reward systems, and user types, Open J. Business and Management,
7(4) (2019), 1815-1830.
[4] Deterding, S., Dixon, D., Khaled, R., and Nacke, L., From game design elements to gamefulness: defining gamification, Proc. 15th Int. Academic MindTrek Conf. Envisioning Future
Media Environments (2011), 9-15.
[5] Dulloo, R., and others, Innovating Fintech Engagement: A study on gamifications role in
enhancing customer loyalty and usage in mobile banking applications, J. Computational
Analysis & Applications, 33(2) (2024).
[6] Saks, C. A., Customer Value Creation Through Gamification: A Model for a Digital Platform,
(2002), 69-97.
[7] Souza, V. S., Marques, S. R. B. de V., and Ver´ıssimo, M., How can gamification contribute
to achieve SDGs? Exploring the opportunities and challenges of ecogamification for tourism,
J. Hospitality and Tourism Technology, 11(2) (2020), 255-276.
[8] Ali, W., and Nabeel, M., Augmenting transportation planning with AI and the metaverse:
A meta-analytic approach to advancing sustainable development goals, Life Cycle Reliability
and Safety Engineering, (2025), 1-21.
[9] Ali, W., Nabeel, M., Javaid, M. S., Javaid, S., and Abidi, N., Assessing the role of transportation planning in advancing sustainable development goals: Insights from a meta-analysis, Int.
J. Sustainable Transportation, (2025), 1-19.
[10] Lim, W. M., Das, M., Sharma, W., Verma, A., and Kumra, R., Augmenting gamification for
sustainable consumption: a state-of-the-art overview and future agenda, Business Strategy
and the Environment, 34(1) (2025), 1510-1549.
[11] Elias, O., Esebre, S. D., Abijo, I., Timothy, A. M., Babayemi, T. D., Makinde, E. O., Oladepo,
O. I., and Fatoki, I. E., Harnessing artificial intelligence to optimize financial technologies
for achieving sustainable development goals, World J. Adv. Res. Rev., 2(4) (2024).
[12] Ali, W., and Javaid, S., Enhancing Fermatean fuzzy transportation problems: An innovative
score function-based optimization strategy, Int. Res. J. Economics and Management Studies
(IRJEMS), 23 (2023), 616-625.
[13] Wittayakom, S., Wisetpanich, N., Bainyam, C., and Tangthansup, M., Gamification strategies to enhance environmental awareness in sustainable retail: A systematic literature review,
Pakistan J. Life & Social Sciences, 23(1) (2025).
[14] Ali, W., Sadia, S., Javaid, S., Abidi, N., Nabeel, M., Javaid, M. S., and Nusrat, A., Solving
the multi-objective linear plus linear fractional programming problem using different mathematical programming approaches, Palestine J. Mathematics, 14(1) (2025).
[15] Ali, W., Optimizing the e-waste management in India: a sustainable mathematical modeling
approach to circular economy, Quality & Quantity, (2025).
[16] Ali, W., & Javaid, S., A solution of mathematical multi-objective transportation problems using the Fermatean fuzzy programming approach, International Journal of System Assurance
Engineering and Management, (2025), 1-19.
[17] Akbar, U., Ali, W., Javaid, S., and Khan, M. A., Optimizing data-driven trade-offs to achieve
emissions reduction in transportation, Quality & Quantity, (2025), 1-23.
[18] Muslim, M., The evolution of financial products and services in the digital age, Adv. Economics & Financial Studies, 2(1) (2024), 33-43.
[19] Kruhovyi, A., Customer loyalty strategy development: A case of small and medium-sized Fintech businesses on the European market, Vytautas Magnus University Research Management
System (VDU CRIS), (2023).
[20] Javaid, S., Ali, W., Sadia, S., and Abidi, N., Optimizing the electrical vehicle parking and
charging assignments: A balanced approach using mathematical modeling, Life Cycle Reliab.
Saf. Eng., (2025), 1-16.
[21] Zehri, C., El Amin, B. M., Inaam, Z., Sekrafi, H., and others, Exploring the nexus of decent
work, financial inclusion, and economic growth: A study aligned with SDG 8, Sustainable
Futures, 7 (2024), 100213.
[22] Elias, O., Awotunde, O. J., Oladepo, O. I., Azuikpe, P. F., Samson, O. A., Oladele, O. R.,
and Ogunruku, O. O., The evolution of green fintech: Leveraging AI and IoT for sustainable
financial services and smart contract implementation, World J. Adv. Res. Rev., 23(1) (2024),
2710–2723.
[23] Ali, W., Sadia, S., Ahmad, F., Javaid, S., & Abidi, N., A solution programming approaches
on the multi-objective capacitated fractional transportation problem, International Journal
of System Assurance Engineering and Management, (2025), 1-22.
[24] Vinoth, S., and Chinnasamy, G., Predictive analytics to reveal the fintech transformation
via digital payments trends, experience, and challenges, Financial Innovation for Global
Sustainability, (2025), 51-79.
[25] Monferrer, D., Moliner, M. A., and Estrada, M., Increasing customer loyalty through customer engagement in the retail banking industry, Spanish J. Marketing-ESIC, 23(3) (2019),
461-484.
[26] Silva, J. H., Mendes, G. H., Teixeira, J. G., and Braatz, D., Gamification in the customer
journey: a conceptual model and future research opportunities, J. Service Theory and Practice, 33(3) (2023), 352-386.
[27] Gallery, C., and Conlon, J., Fashion business and digital transformation: Technology and
innovation across the fashion industry, Routledge, (2024).
[28] Halkiopoulos, C., and Gkintoni, E., Leveraging AI in e-learning: Personalized learning and
adaptive assessment through cognitive neuropsychologyA systematic analysis, Electronics,
13(18) (2024), 3762.
[29] Gaur, D., Gupta, K., Tiwari, C. K., and Pal, A., AI powered gamification: The new catalyst in the arena of online investment platforms impacting behavioral intentions, Int. J.
HumanComputer Interaction, (2025), 1-17.
[30] Lwesya, F., Green finance in Africa: Mapping progress, challenges and prospects, Future
Business J., 11(1) (2025), 195.
[31] Schiavone, F., and Omrani, N., Responsibly: Exploring digital transformation and open
innovation strategies, J. Innovation Economics & Management, 47(2) (2025), 1-14.
[32] Ryan, R. M., and Deci, E. L., Self-determination theory and the facilitation of intrinsic
motivation, social development, and well-being, American Psychologist, 55(1) (2000), 68.
[33] Bakker, A. B., and Van Woerkom, M., Flow at work: A self-determination perspective,
Occupational Health Science, 1(1) (2017), 47–65.
[34] Li, L., Hew, K. F., and Du, J., Gamification enhances student intrinsic motivation, perceptions of autonomy and relatedness, but minimal impact on competency: a meta-analysis
and systematic review, Educational Technology Research and Development, 72(2) (2024),
765-796.
[35] Csikszentmihalyi, M., The psychology of optimal experience, Harper & Row, New York
(1990).
[36] Jain, M., Shetty, D. K., Naik, N., Maddodi, B. S., Malarout, N., & Perule, N., Application of
gamification in the banking sector: A systematic review, Test & Engineering Management,
83, (2020), 16931-16944.
[37] Sailer, M., and Homner, L., The gamification of learning: A meta-analysis, Educational
Psychology Review, 32(1) (2020), 77-112.
[38] Amo, L., Liao, R., Kishore, R., and Rao, H. R., Effects of structural and trait competitiveness
stimulated by points and leaderboards on user engagement and performance growth: A natural experiment with gamification in an informal learning environment, Eur. J. Information
Systems, 29(6) (2020), 704-730.
[39] Abbas, A., Ambainis, A., Augustino, B., B¨artschi, A., Buhrman, H., Coffrin, C., Cortiana,
G., Dunjko, V., Egger, D. J., Elmegreen, B. G., and others, Challenges and opportunities in
quantum optimization, Nature Reviews Physics, (2024), 1-18.
[40] Farhan, K. A., Asadullah, A., Kommineni, H. P., Gade, P. K., and Venkata, S., Machine
learning-driven gamification: Boosting user engagement in business, Global Disclosure of
Economics and Business, 12(1) (2023), 41-52.
[41] Ali, W., Javaid, S., and Akbar, U., A solution of mathematical multi-objective transportation
problems under uncertain environments, Palestine J. Mathematics, 14(1) (2025).
[42] Nguyen, L.-T., Tran, N.-T. T., Dang, T.-Q., and Duc, D. T. V., Beyond transactions: Building customer loyalty and brand value cocreation in Vietnamese financial apps, Human Behavior and Emerging Technologies, (2025), 5599209.
[43] Ganti, A., and Singhania, S., Integration of game theory optimization in financial markets:
A systematic literature review based on TCCM framework, J. Modelling in Management,
20(1) (2025), 276–299.
[44] Jebreili, S., and Goli, A., Optimization and computing using intelligent data-driven methods,
Optimization Applications, 90(4) (2024).
[45] George, A. S., The evolution of economic models: From knowledge to intuition and optimization, Partners Universal Multidisciplinary Res. J., 1(2) (2024), 1–25.
[46] Behl, A., Jayawardena, N., Shankar, A., Gupta, M., and Lang, L. D., Gamification and
neuromarketing: A unified approach for improving user experience, J. Consumer Behaviour,
23(1) (2024), 218–228.
[47] Chikri, H., and Kassou, M., Financial revolution: Innovation powered by FinTech and artificial intelligence, J. Theoretical and Applied Information Technology, 102(9) (2024), 4145-
4157.
[48] Zhao, F., Gamification design, in User Experience Methods and Tools in HumanComputer
Interaction, CRC Press (2024), 373-441.
[49] Danladi, S., Prasad, M., Modibbo, U. M., Ahmadi, S. A., and Ghasemi, P., Attaining sustainable development goals through financial inclusion: Exploring collaborative approaches
to FinTech adoption in developing economies, Sustainability, 15(17) (2023), 13039.
[50] Ali, W., Sadia, S., Javaid, S., Abidi, N., & Nusrat, A., A Fermatean fuzzy programming
approach to unfold the solid transportation problem: an integrated multi-objective optimization, OPSEARCH, (2025), 1-36.
[51] Shah, I. A., Financial systems and poverty dynamics: A literature review on the role of
institutions and FinTech in economic growth, Int. Rev. Applied Economics, (2025), 15-21.
[52] Car`e, R., Boitan, I. A., and Fatima, R., How do FinTech companies contribute to the achievement of SDGs? Insights from case studies, Res. Int. Business and Finance, 66 (2023),
102072.
[53] Mohapatra, N., Das, M., Shekhar, S., Singh, R., Khan, S., Tewari, L. M., F´elix, M. J., and
Santos, G., Assessing the role of financial literacy in FinTech adoption by MSEs: Ensuring
sustainability through a fuzzy AHP approach, Sustainability, 17(10) (2025), 4340.
[54] Adnan, N., Rashed, M. F., and Ali, W., Embracing the metaverse: Cultivating sustainable
tourism growth on a global scale, Current Issues in Tourism, 28(20) (2024), 1–20.
[55] Del Sarto, N., and Ozili, P. K., FinTech and financial inclusion in emerging markets: A
bibliometric analysis and future research agenda, Int. J. Emerging Markets, 20(13) (2025),
270-290.
[56] Chen, S., and Guo, Q., FinTech and MSEs innovation: An empirical analysis, arXiv preprint
arXiv:2407.17293, (2024).
[57] Rayhan, M. J., Rahman, S. M., Mamun, A. A., Saif, A. N. M., Islam, K. A., Alom, M. M.,
and Hafiz, N., FinTech solutions for sustainable agricultural value chains: A perspective from
smallholder farmers, Business Strategy & Development, 7(2) (2024), e358.
[58] Ali, W., Siddiqui, F., Javaid, S., & Nabeel, M., A multi-objective optimization of healthcare supply chains during pandemics using neutrosophic goal programming approach,
OPSEARCH, (2025), 1-35.
[59] Khan, I., Ali, W., Tayyab, M., and Akbar, U., The role of green supply chain management
in achieving the United Nations sustainable development goals: A meta-analysis approach,
Discover Sustainability, 6(1) (2025), 920.
[60] Chandel, M., and Arora, M., Achieving the sustainable development goals through financial
inclusion: A bibliometric and content analysis, Discover Sustainability, 6(1) (2025), 920.
[61] Vrzaru, A. A., Unveiling digital transformation: A catalyst for enhancing food security and
achieving sustainable development goals at the European Union level, Foods, 13(8) (2024),
1226.
[62] Omeragi, N., FinTech tools, regulations and limitations in achieving sustainable development
goals, (2023).
[63] Le Quoc, D., The relationship between digital financial inclusion, gender inequality, and
economic growth: Dynamics from financial development, J. Business and Socio-Economic
Development, 4(4) (2024), 370-388.
[64] Pranajaya, E., Alexandri, M. B., Chan, A., and Hermanto, B., Examining the influence of
financial inclusion on investment decisions: A bibliometric review, Heliyon, 10(3) (2024).
6(2) (2025), 118-129.
[2] Bolton, R. N., McColl-Kennedy, J. R., Cheung, L., Gallan, A., Orsingher, C., Witell, L.,
and Zaki, M., Customer experience challenges: bringing together digital, physical and social
realms, J. Service Management, 29(5) (2018), 776-808.
[3] Mauroner, O., Gamification in management and other non-game contextsunderstanding game
elements, motivation, reward systems, and user types, Open J. Business and Management,
7(4) (2019), 1815-1830.
[4] Deterding, S., Dixon, D., Khaled, R., and Nacke, L., From game design elements to gamefulness: defining gamification, Proc. 15th Int. Academic MindTrek Conf. Envisioning Future
Media Environments (2011), 9-15.
[5] Dulloo, R., and others, Innovating Fintech Engagement: A study on gamifications role in
enhancing customer loyalty and usage in mobile banking applications, J. Computational
Analysis & Applications, 33(2) (2024).
[6] Saks, C. A., Customer Value Creation Through Gamification: A Model for a Digital Platform,
(2002), 69-97.
[7] Souza, V. S., Marques, S. R. B. de V., and Ver´ıssimo, M., How can gamification contribute
to achieve SDGs? Exploring the opportunities and challenges of ecogamification for tourism,
J. Hospitality and Tourism Technology, 11(2) (2020), 255-276.
[8] Ali, W., and Nabeel, M., Augmenting transportation planning with AI and the metaverse:
A meta-analytic approach to advancing sustainable development goals, Life Cycle Reliability
and Safety Engineering, (2025), 1-21.
[9] Ali, W., Nabeel, M., Javaid, M. S., Javaid, S., and Abidi, N., Assessing the role of transportation planning in advancing sustainable development goals: Insights from a meta-analysis, Int.
J. Sustainable Transportation, (2025), 1-19.
[10] Lim, W. M., Das, M., Sharma, W., Verma, A., and Kumra, R., Augmenting gamification for
sustainable consumption: a state-of-the-art overview and future agenda, Business Strategy
and the Environment, 34(1) (2025), 1510-1549.
[11] Elias, O., Esebre, S. D., Abijo, I., Timothy, A. M., Babayemi, T. D., Makinde, E. O., Oladepo,
O. I., and Fatoki, I. E., Harnessing artificial intelligence to optimize financial technologies
for achieving sustainable development goals, World J. Adv. Res. Rev., 2(4) (2024).
[12] Ali, W., and Javaid, S., Enhancing Fermatean fuzzy transportation problems: An innovative
score function-based optimization strategy, Int. Res. J. Economics and Management Studies
(IRJEMS), 23 (2023), 616-625.
[13] Wittayakom, S., Wisetpanich, N., Bainyam, C., and Tangthansup, M., Gamification strategies to enhance environmental awareness in sustainable retail: A systematic literature review,
Pakistan J. Life & Social Sciences, 23(1) (2025).
[14] Ali, W., Sadia, S., Javaid, S., Abidi, N., Nabeel, M., Javaid, M. S., and Nusrat, A., Solving
the multi-objective linear plus linear fractional programming problem using different mathematical programming approaches, Palestine J. Mathematics, 14(1) (2025).
[15] Ali, W., Optimizing the e-waste management in India: a sustainable mathematical modeling
approach to circular economy, Quality & Quantity, (2025).
[16] Ali, W., & Javaid, S., A solution of mathematical multi-objective transportation problems using the Fermatean fuzzy programming approach, International Journal of System Assurance
Engineering and Management, (2025), 1-19.
[17] Akbar, U., Ali, W., Javaid, S., and Khan, M. A., Optimizing data-driven trade-offs to achieve
emissions reduction in transportation, Quality & Quantity, (2025), 1-23.
[18] Muslim, M., The evolution of financial products and services in the digital age, Adv. Economics & Financial Studies, 2(1) (2024), 33-43.
[19] Kruhovyi, A., Customer loyalty strategy development: A case of small and medium-sized Fintech businesses on the European market, Vytautas Magnus University Research Management
System (VDU CRIS), (2023).
[20] Javaid, S., Ali, W., Sadia, S., and Abidi, N., Optimizing the electrical vehicle parking and
charging assignments: A balanced approach using mathematical modeling, Life Cycle Reliab.
Saf. Eng., (2025), 1-16.
[21] Zehri, C., El Amin, B. M., Inaam, Z., Sekrafi, H., and others, Exploring the nexus of decent
work, financial inclusion, and economic growth: A study aligned with SDG 8, Sustainable
Futures, 7 (2024), 100213.
[22] Elias, O., Awotunde, O. J., Oladepo, O. I., Azuikpe, P. F., Samson, O. A., Oladele, O. R.,
and Ogunruku, O. O., The evolution of green fintech: Leveraging AI and IoT for sustainable
financial services and smart contract implementation, World J. Adv. Res. Rev., 23(1) (2024),
2710–2723.
[23] Ali, W., Sadia, S., Ahmad, F., Javaid, S., & Abidi, N., A solution programming approaches
on the multi-objective capacitated fractional transportation problem, International Journal
of System Assurance Engineering and Management, (2025), 1-22.
[24] Vinoth, S., and Chinnasamy, G., Predictive analytics to reveal the fintech transformation
via digital payments trends, experience, and challenges, Financial Innovation for Global
Sustainability, (2025), 51-79.
[25] Monferrer, D., Moliner, M. A., and Estrada, M., Increasing customer loyalty through customer engagement in the retail banking industry, Spanish J. Marketing-ESIC, 23(3) (2019),
461-484.
[26] Silva, J. H., Mendes, G. H., Teixeira, J. G., and Braatz, D., Gamification in the customer
journey: a conceptual model and future research opportunities, J. Service Theory and Practice, 33(3) (2023), 352-386.
[27] Gallery, C., and Conlon, J., Fashion business and digital transformation: Technology and
innovation across the fashion industry, Routledge, (2024).
[28] Halkiopoulos, C., and Gkintoni, E., Leveraging AI in e-learning: Personalized learning and
adaptive assessment through cognitive neuropsychologyA systematic analysis, Electronics,
13(18) (2024), 3762.
[29] Gaur, D., Gupta, K., Tiwari, C. K., and Pal, A., AI powered gamification: The new catalyst in the arena of online investment platforms impacting behavioral intentions, Int. J.
HumanComputer Interaction, (2025), 1-17.
[30] Lwesya, F., Green finance in Africa: Mapping progress, challenges and prospects, Future
Business J., 11(1) (2025), 195.
[31] Schiavone, F., and Omrani, N., Responsibly: Exploring digital transformation and open
innovation strategies, J. Innovation Economics & Management, 47(2) (2025), 1-14.
[32] Ryan, R. M., and Deci, E. L., Self-determination theory and the facilitation of intrinsic
motivation, social development, and well-being, American Psychologist, 55(1) (2000), 68.
[33] Bakker, A. B., and Van Woerkom, M., Flow at work: A self-determination perspective,
Occupational Health Science, 1(1) (2017), 47–65.
[34] Li, L., Hew, K. F., and Du, J., Gamification enhances student intrinsic motivation, perceptions of autonomy and relatedness, but minimal impact on competency: a meta-analysis
and systematic review, Educational Technology Research and Development, 72(2) (2024),
765-796.
[35] Csikszentmihalyi, M., The psychology of optimal experience, Harper & Row, New York
(1990).
[36] Jain, M., Shetty, D. K., Naik, N., Maddodi, B. S., Malarout, N., & Perule, N., Application of
gamification in the banking sector: A systematic review, Test & Engineering Management,
83, (2020), 16931-16944.
[37] Sailer, M., and Homner, L., The gamification of learning: A meta-analysis, Educational
Psychology Review, 32(1) (2020), 77-112.
[38] Amo, L., Liao, R., Kishore, R., and Rao, H. R., Effects of structural and trait competitiveness
stimulated by points and leaderboards on user engagement and performance growth: A natural experiment with gamification in an informal learning environment, Eur. J. Information
Systems, 29(6) (2020), 704-730.
[39] Abbas, A., Ambainis, A., Augustino, B., B¨artschi, A., Buhrman, H., Coffrin, C., Cortiana,
G., Dunjko, V., Egger, D. J., Elmegreen, B. G., and others, Challenges and opportunities in
quantum optimization, Nature Reviews Physics, (2024), 1-18.
[40] Farhan, K. A., Asadullah, A., Kommineni, H. P., Gade, P. K., and Venkata, S., Machine
learning-driven gamification: Boosting user engagement in business, Global Disclosure of
Economics and Business, 12(1) (2023), 41-52.
[41] Ali, W., Javaid, S., and Akbar, U., A solution of mathematical multi-objective transportation
problems under uncertain environments, Palestine J. Mathematics, 14(1) (2025).
[42] Nguyen, L.-T., Tran, N.-T. T., Dang, T.-Q., and Duc, D. T. V., Beyond transactions: Building customer loyalty and brand value cocreation in Vietnamese financial apps, Human Behavior and Emerging Technologies, (2025), 5599209.
[43] Ganti, A., and Singhania, S., Integration of game theory optimization in financial markets:
A systematic literature review based on TCCM framework, J. Modelling in Management,
20(1) (2025), 276–299.
[44] Jebreili, S., and Goli, A., Optimization and computing using intelligent data-driven methods,
Optimization Applications, 90(4) (2024).
[45] George, A. S., The evolution of economic models: From knowledge to intuition and optimization, Partners Universal Multidisciplinary Res. J., 1(2) (2024), 1–25.
[46] Behl, A., Jayawardena, N., Shankar, A., Gupta, M., and Lang, L. D., Gamification and
neuromarketing: A unified approach for improving user experience, J. Consumer Behaviour,
23(1) (2024), 218–228.
[47] Chikri, H., and Kassou, M., Financial revolution: Innovation powered by FinTech and artificial intelligence, J. Theoretical and Applied Information Technology, 102(9) (2024), 4145-
4157.
[48] Zhao, F., Gamification design, in User Experience Methods and Tools in HumanComputer
Interaction, CRC Press (2024), 373-441.
[49] Danladi, S., Prasad, M., Modibbo, U. M., Ahmadi, S. A., and Ghasemi, P., Attaining sustainable development goals through financial inclusion: Exploring collaborative approaches
to FinTech adoption in developing economies, Sustainability, 15(17) (2023), 13039.
[50] Ali, W., Sadia, S., Javaid, S., Abidi, N., & Nusrat, A., A Fermatean fuzzy programming
approach to unfold the solid transportation problem: an integrated multi-objective optimization, OPSEARCH, (2025), 1-36.
[51] Shah, I. A., Financial systems and poverty dynamics: A literature review on the role of
institutions and FinTech in economic growth, Int. Rev. Applied Economics, (2025), 15-21.
[52] Car`e, R., Boitan, I. A., and Fatima, R., How do FinTech companies contribute to the achievement of SDGs? Insights from case studies, Res. Int. Business and Finance, 66 (2023),
102072.
[53] Mohapatra, N., Das, M., Shekhar, S., Singh, R., Khan, S., Tewari, L. M., F´elix, M. J., and
Santos, G., Assessing the role of financial literacy in FinTech adoption by MSEs: Ensuring
sustainability through a fuzzy AHP approach, Sustainability, 17(10) (2025), 4340.
[54] Adnan, N., Rashed, M. F., and Ali, W., Embracing the metaverse: Cultivating sustainable
tourism growth on a global scale, Current Issues in Tourism, 28(20) (2024), 1–20.
[55] Del Sarto, N., and Ozili, P. K., FinTech and financial inclusion in emerging markets: A
bibliometric analysis and future research agenda, Int. J. Emerging Markets, 20(13) (2025),
270-290.
[56] Chen, S., and Guo, Q., FinTech and MSEs innovation: An empirical analysis, arXiv preprint
arXiv:2407.17293, (2024).
[57] Rayhan, M. J., Rahman, S. M., Mamun, A. A., Saif, A. N. M., Islam, K. A., Alom, M. M.,
and Hafiz, N., FinTech solutions for sustainable agricultural value chains: A perspective from
smallholder farmers, Business Strategy & Development, 7(2) (2024), e358.
[58] Ali, W., Siddiqui, F., Javaid, S., & Nabeel, M., A multi-objective optimization of healthcare supply chains during pandemics using neutrosophic goal programming approach,
OPSEARCH, (2025), 1-35.
[59] Khan, I., Ali, W., Tayyab, M., and Akbar, U., The role of green supply chain management
in achieving the United Nations sustainable development goals: A meta-analysis approach,
Discover Sustainability, 6(1) (2025), 920.
[60] Chandel, M., and Arora, M., Achieving the sustainable development goals through financial
inclusion: A bibliometric and content analysis, Discover Sustainability, 6(1) (2025), 920.
[61] Vrzaru, A. A., Unveiling digital transformation: A catalyst for enhancing food security and
achieving sustainable development goals at the European Union level, Foods, 13(8) (2024),
1226.
[62] Omeragi, N., FinTech tools, regulations and limitations in achieving sustainable development
goals, (2023).
[63] Le Quoc, D., The relationship between digital financial inclusion, gender inequality, and
economic growth: Dynamics from financial development, J. Business and Socio-Economic
Development, 4(4) (2024), 370-388.
[64] Pranajaya, E., Alexandri, M. B., Chan, A., and Hermanto, B., Examining the influence of
financial inclusion on investment decisions: A bibliometric review, Heliyon, 10(3) (2024).
)