动态信任视角下消费金融信息产品设计与评价

Design and Evaluation of Consumer Financial Information Products under the Perspective of Dynamic Trust

中文关键词: 设计评价方法  在校大学生  量化研究  消费金融  动态信任

英文关键词: design and evaluation method  college students  quantitative research  consumer finance  dynamic trust

中文摘要:

      目的 随着科技和数字化的发展，消费金融信息产品在现代经济和金融体系中扮演着愈发重要的角色。本文旨在探究消费金融信息产品用户体验因素，优化体验设计与评价方法。方法 基于用户动态信任需求，以在校大学生为调研对象发放问卷，以284个有效数据为研究样本，使用SPSS软件进行量化分析，基于数据结论进行消费金融产品交互设计，并从动态信任视角构建消费金融信息产品设计评价模型。结果 依据产品评价多层次指标模型，获取设计与评价指标权重，并得出消费金融信息产品体验的总体评分。结论 结合用户动态信任视角对消费金融信息产品进行设计与评价，可有效地对产品进行量化设计与检验，强化产品与用户间的信任关系，在动态交互过程中获取用户变化的需求，改善人机信任关系，提高产品的持续改进能力。

英文摘要:

      With the progress of technology and digitalization, consumer financial information products play a crucial role in the modern economy and financial system. The work aims to explore the user experience factors of consumer financial information products and optimize the experience design and evaluation methods. Based on the users' dynamic trust needs, questionnaires were distributed to college students as research objects, 284 valid data were used as research samples, and quantitative analysis was performed by SPSS software. Consumer financial product interaction design was performed based on the data conclusions, and the evaluation model of consumer financial information product design was constructed from the perspective of dynamic trust. Based on the multi-level index model of product evaluation, the design and evaluation index weights were obtained and the overall score of consumer financial information product experience was derived. Combining the design and evaluation of consumer financial information products from the perspective of users' dynamic trust can effectively quantitatively design and test the products, strengthen the trust relationship between the products and the users, obtain the changing needs of the users in the process of dynamic interaction, improve the human-computer trust relationship, and enhance the ability of the products for continuous improvement.