Journal of the Korea Convergence Society (한국융합학회논문지)

Korea Convergence Society (한국융합학회)
권호 표지
DOI QR코드

DOI QR Code

UX evaluation of MyData-based financial asset management app - Focusing on Data Visualization

마이데이터 기반 금융 자산관리 앱 사용성 평가 - 데이터 시각화를 중심으로 -

  • Received : 2021.10.12
  • Accepted : 2021.12.20
  • Published : 2021.12.28
Download PDF
⟨ Previous Next ⟩

Abstract

MyData industry became possible with the revision of the three data-related bills on August 2020, and from February 2021, each individual can make MyData financial service through the app provided by MyData providers. In this study, in order to understand the user experience trend of MyData-based financial asset management apps in the user-centered financial service era, the usability evaluation of 11 apps from 8 MyData providers was conducted for 300 adults, then average value comparison, radial graph analysis, and heatmap analysis were conducted. In app design preference, asset list type was the most preferred type, followed by asset comparison·list type. As for the expected perception of the future benefits that can be enjoyed through My Data, 'diversification of convenient services' was the highest at 45.3%, and as a negative factor felt by users, personal information-related factors were the highest at 71.4%. The results of this study can be used as basic data for the development and improvement of user interfaces for MyData platforms.

2020년 8월 데이터 3법의 개정으로 마이데이터 산업이 가능해졌으며, 2021년 2월부터 각 개인은 사업자가 제공하는 앱을 통하여 마이데이터 금융거래가 가능하게 되었다. 본 연구에서는 사용자 중심의 금융서비스 시대에 마이데이터 기반 금융 자산 관리 앱의 사용자경험 동향을 파악하기 위하여 성인 300명을 대상으로 8개 기관의 11개의 앱의 사용성 평가를 진행한 후 평균값 비교, 방사형 그래프 분석, 히트맵 분석을 통하여 선호도 조사를 하였다. 앱 디자인 선호도에서는 자산리스트형이 가장 선호하는 형으로, 다음으로는 자산 비교·리스트형으로 나타났다. 마이데이터를 통해 향후 누릴 수 있는 혜택에 대한 기대인식으로는 '편리한 서비스의 다양화'가 45.3%로 가장 높게 나타났고, 사용자가 느끼는 부정적인 요인으로는 개인정보와 관련한 요소가 71.4%로 가장 높게 나타났다. 본 연구 결과는 마이데이터 플랫폼 사용자 인터페이스 개발과 개선에 기초 자료로 활용될 수 있을 것이다.

Keywords

References

  1. Naver Knowledge Encyclopedia. Economic Glossary - MyData,https://terms.naver.com/entry.nhn?docId=5680641&cid=42107&categoryId=42107
  2. J. H. Park. (2021.5.28.). In the era of 'My Data' starting in August, more than 60 companies flock to limitless competition. Maeil Business News Korea. https://www.mk.co.kr/news/culture/view/2021/05/515951/
  3. S. H. Lee. (2021.6.28.). "[Money making app] From Open Banking to My Data... A world where one app is all it takes," Maeil Business News Korea. https://www.mk.co.kr/news/special-edition/view/2021/06/620344/
  4. B. Lee. (2021.8.27.). "[Financial assistant in my hand] My data era is coming... Account management and insurance recommendations with one app," Aju Business Daily. https://www.ajunews.com/view/20210215214740956
  5. S. H. Lee. (2020.12.28.). 'My Data' will be implemented in February next year... Protect your personal information. Maeil Business News Korea. https://www.mk.co.kr/news/society/view/2020/12/1327516/
  6. Financial Services Commission. (2021). Status of new permission for personal credit information management business. 2021.9.8. https://www.fsc.go.kr/no010101/76498
  7. S. J. Kim. (2013). The Characteristics in Design of Smart Phone Applications: Mainly on the Comparison between Korean and American Application Icons. Journal of Digital Design. 13(1), 215-224. https://doi.org/10.17280/jdd.2013.13.1.021
  8. H. Kwon. (2013). Elements for Evaluating the Usability of the Web-Based Infographic Design. Journal of Korea Multimedia Society. 16(7), 879-887. https://doi.org/10.9717/KMMS.2013.16.7.879
  9. A. Cooper, R. Reimann & D. Cronin. (2007). About Face 3: The Essentials of Interaction Design. Indianapolis: Wiley Publishing.
  10. H. Kim. (2012). Expression Methods and Delivery Effectiveness of Infographics in Internet News. Master thesis, Yonsei University.
  11. D. A. Norman. (2010). Living with Complexity. MIT Press.
  12. W. Dick & L. Cary. (1990). The systematic design of instruction (3rd ed.). Glenville, IL: Scott, Foresman.
  13. H. Kwon. (2011). A Study on Visual Perception Pattern based on Visual Search for Web Information Visualization. Ph. D. Dissertation. Pusan National University.
  14. J. Nielson. (1993). Usability Engineering, Morgan Kaufmann.
  15. S. Kim & M. Kim. (2007). A Usability Evaluation on the Visualization Techniques of Web Retrieval Results. Journal of the Korean Library and Information Science, 41(3), 181-199. https://doi.org/10.4275/KSLIS.2007.41.3.181
  16. S. H. Lee. (1999) A study on usability evaluation method using the World Wide Web. Master thesis, Korea Advanced Institute of Science and Technology.
  17. P. Morville & P. Sullenger. (2010). Ambient Findability: Libraries, Series, and the Internet of Things. The Serial Librarian, 58(1-4), 33-38. https://doi.org/10.1080/03615261003622999
  18. S. Min & S. Kim. (2018). A Study on Measures for the Visualization of Personalized Content According to the Characteristics of Cognitive Affordance. Journal of Communication Design, 65, 96-105.
  19. M. Jon & S. H. Yoo. (2017). Multi-Modal Interface Design for Non-Touch Gesture Based 3D Sculping Task. Design Convergence Study, 16(5), 177-190.
  20. Y. Jo, S. Jeon, J. Han & K. Han. (2019). Development of a web visualization system with machine learning for weblog credibility. The conference of the HCI Society of Korea. 167-172.
  21. C. H. Park, M. K. Park & J. M. Lee. (2002). An Evaluation of Search Engines as Exploratory Environments. The Korean Journal of Cognitive and Biological Psychology, 14(4), 501-511.
  22. I. Hong & B. Jeong. (2000). A Comprehensive Model for Evaluating Internet Web Sites. Korean Management Science Review, 17(3), 161-180.
  23. J. W. Kim (2012). Introduction to Human Computer Interaction: Principles and Methods for UX Innovation. AG Design.
  24. Minstry of Science and ICT. (2019). 2019 MyData Stutus Survey.