基于游戏化的社区金融素养能力建设概念框架：将自决理论与推动理论相结合

Low financial literacy continues to constrain household resilience, micro-enterprise growth, and inclusive community development worldwide, even as most community-based financial literacy programs still rely on lecture-style delivery that struggles to sustain adult participants' engagement. Meanwhile, gamification - the use of game design elements in non-game contexts - has accumulated strong evidence of motivational and learning benefits in classroom and financial-technology settings, yet no integrative conceptual model currently guides community service practitioners in applying gamification