This study presents the development of a gamified mobile application aimed at promoting financial education among undergraduate students in Accounting and Business Administration at the State University of Central-Western Brazil (UNICENTRO). It is grounded in classical financial decision models to demonstrate essential calculations and operations related to loans and investments. Methodologically, the study was divided into two phases (2024 and 2025) and emerged as a proposal to engage undergraduate research and innovation students in the full software development cycle, including requirement gathering, logical and visual design, functional prototyping, and user testing. The application was implemented using Kotlin and Jetpack Compose in Android Studio, adopting modular Model-View-ViewModel (MVVM) architecture to support active learning in financial education. Additionally, a complementary statistical analysis was conducted with a sample of 238 students, applying Exploratory Factor Analysis (EFA), which enabled the identification of latent financial behavior profiles and the confirmation of a set of behavioral hypotheses. The study’s contributions include educational innovation based on mobile technology and active student involvement in the development process. Despite promising results, the study presents limitations related to the exploratory nature of the factor analysis and the restricted sample drawn from a single public university in southern Brazil. These factors limit the generalizability of the identified behavioral profiles. Future research may replicate the model in other public institutions of higher and secondary education.