Research On Mobile Banking Design Based On Technology Acceptance Model For Elderly People

In the lasting effects of epidemics,the use of smartphones by the elderly has become an increasingly prominent problem,which seriously affects their daily lives.With the successive release of government documents,many mobile applications have begun to be improved for aging,but most mobile banking applications are still in the early stage of aging-friendly applications.Based on the background of the information age,the paper takes the technology acceptance model as the theoretical basis,extracts the age-appropriate usability indicators of mobile banking,and constructs the technology acceptance model of mobile banking for the elderly(Technology Acceptance Model combined with Usability,named UTAM model),aiming to improve the elderly users’ acceptance of mobile banking from a design perspective.First,representative samples of mobile banking are screened,and functional and business process analysis is performed.Through the expert heuristic evaluation method,the usability problems of mobile banking samples are sorted out,the severity of the problems is evaluated,and the usability indicators system of mobile banking is established.Secondly,based on the hypothesis that usability affects the acceptance of mobile banking for the elderly,the usability indicators are proposed as the exogenous variable of the model,then construct the UTAM model,and design the Likert scale questionnaire of mobile banking acceptance for the elderly.Thirdly,the UTAM model has been tested using the partial least square equation model(PLSSEM).Finally,mobile banking is selected as the design object,based on the analysis of its current situation,the design opportunity points are found through the analysis of user research and competitive bidding,the design practice of mobile banking is carried out,and the design scheme is verified by usability test and questionnaire survey.This study combines usability and technology acceptance model for the elderly,discusses the influence of interface design on the acceptance for mobile banking for the elderly,and puts forward practical design methods of mobile banking for elderly,and the research results have some reference value for the design of applications related to the use of elderly users.