A digital banking case study on how OKB used gamification and personalisation to increase customer engagement and app interaction. By launching an interactive seasonal campaign, OKB transformed passive users into active participants within its mobile banking app.
Case Study
How OKB Increased Digital Banking Engagement with Gamification and Personalisation
The Challenge
Increasing Customer Engagement in Digital Banking Apps
Like many banks, OKB faced low customer engagement in its mobile banking app, with most users interacting only for basic transactions.
For most regional banks, the digital channel is underutilised. Customers log in to check balances and make payments, but deeper engagement with recommendations, features, and financial guidance remains low. Generic push notifications have limited impact. Customers have learned to ignore them.
OKB wanted to find a way to make its digital banking experience genuinely compelling, not just functional. The question was how to create an interaction that felt relevant, rewarding, and worth coming back for, without it feeling like a marketing campaign dressed up as something else.
The Solution
Gamification and Personalised Digital Banking Experiences
Using Moneythor’s platform, OKB delivered a gamified digital banking experience powered by AI-driven recommendations and real-time engagement triggers.
OKB designed and launched a Halloween Candy Collection Campaign, a seasonal gamified experience that gave customers a reason to engage with the app in a fundamentally different way.
Rather than presenting recommendations as static content, Moneythor’s AI-powered delivery engine turned them into the entry point for an interactive game. Customers who received a personalised recommendation could click through to view the details, and from there, play the Halloween game to collect virtual candy. Each step in the journey rewarded progression, giving users a sense of momentum and purpose that a standard notification cannot replicate.
The campaign was built around three principles:
- Personalised recommendations to drive engagement: Recommendations were tailored to each customer, making the initial prompt relevant rather than generic, which directly influenced click-through rates.
- Gamification to increase banking app interaction: The multi-step journey from notification to game play created depth. Customers were not just consuming content. They were participating in it.
- Seasonal campaigns to boost customer participation: Anchoring the campaign to Halloween gave it a natural sense of timeliness and made the interactive format feel contextually appropriate rather than forced.
The Results
Increased Customer Engagement Through Gamified Digital Banking
The combination of gamification and personalised banking experiences significantly increased customer engagement and app interaction.
of users who saw the game clicked through
of those went on to play
of players rated the campaign positively
total game plays
unique players
These conversion rates reflect both the appeal of the format and the effectiveness of personalised entry points in driving deeper participation. The step-by-step progression from recommendation to game play consistently moved users forward, demonstrating that engagement compounds when each interaction is designed to earn the next one.
User sentiment reinforced the numbers. Feedback highlighted high levels of satisfaction with the combination of seasonal theme, interactive design, and personalised content, confirming that the experience landed as intended.
Client Story
About OKB
Ogaki Kyoritsu Bank is a regional bank headquartered in Ogaki, Japan. With a strong presence across the Gifu and Aichi prefectures, OKB serves individual and corporate customers through a broad network of branches and digital channels. The bank has invested consistently in digital innovation, using its mobile banking platform to explore new ways of deepening customer relationships and delivering value beyond traditional financial services.
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