Abstract The rapid digitalization of financial services has transformed investor engagement, behavioral biases and emotional reactivity to undermine rational investment decision-making. This study investigates the integrated impact of gamification, augmented reality (AR), and neuro-linguistic programming (NLP) based framing on investor cognition, risk perception, and behavioral stability. Grounded in interdisciplinary theories including Prospect Theory, Self-Determination Theory, Cognitive Load Theory, Social Learning Theory, and the Technology Acceptance Model, the research proposes a technology-enabled behavioral intervention framework for retail investment platforms. Using a pragmatic research philosophy and experimental design, the study employs textual trend analysis and relative frequency mapping across ten structured document segments derived from secondary financial texts. Key thematic constructs Risk, Gamification, NLP, and Behavioral were quantitatively analysed to identify narrative emphasis and cognitive shifts. Findings indicate that risk-related discourse dominated the central analytical segments, confirming risk perception as the core behavioral challenge. Gamification and NLP-based linguistic framing were most prominent in introductory and implementation phases, functioning as strategic mechanisms to recalibrate emotional responses. The concluding segments demonstrated increased behavioral stability, suggesting that structured framing within AR-enhanced environments can mitigate cognitive biases such as overconfidence, herd behavior, and loss aversion. The study contributes to behavioral finance and fintech literature by empirically linking immersive visualization and linguistic reframing to measurable decision-quality outcomes. It highlights ethical and design considerations necessary for responsible gamification. The findings provide actionable insights for fintech developers, financial advisors, and policymakers seeking to design psychologically informed AR-based investment systems that promote disciplined, risk-aware, and sustainable investment behavior.
Patroti et al. (Sat,) studied this question.