Journal of Digital Convergence (디지털융복합연구)

The Society of Digital Policy and Management (한국디지털정책학회)
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A study on User experience of Fintech Application Service -Focused on Toss and Kakaobank-

핀테크 애플리케이션의 사용자 경험 연구 -토스와 카카오뱅크를 중심으로-

  • Kim, Hyun-Woo (Digital Media Design, HongIk University, International Design School for Advanced Studies) ;
  • Kim, Seung-In (Digital Media Design, HongIk University, International Design School for Advanced Studies)
  • 김현우 (홍익대학교 국제디자인전문대학원 디지털미디어디자인 전공) ;
  • 김승인 (홍익대학교 국제디자인전문대학원 디지털미디어디자인 전공)
  • Received : 2019.11.11
  • Accepted : 2020.01.20
  • Published : 2020.01.28
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Abstract

This study is about comparing and analyzing the representative fintech application service, Toss, and Kakaobank from the user's point of view and suggest development according to the main factors of user experience. The experimental group who have used both mobile application was recruited to do a task about deposit and withdrawal service. After the task, an in-depth interview was conducted by reorganizing the "Creating Pleasurable Interface model" by Stephen P. Anderson. Interview questionnaire is based on propensity and feature of generation 2030. As a result of the experiment, the user showed satisfaction with usability and showed different application usage experience depend on financial transaction propensity and money management. Therefore, the application needs features that could grasp the propensity and also service to manage money in everyday life. Based on this study, it is expected to develop be user-based fintech application service in related fields.

본 연구는 대표적인 핀테크 애플리케이션 서비스인 토스와 카카오뱅크를 사용자 관점에서 비교·분석하고, 이를 통해 사용자 경험의 주요 요인에 따른 발전 방향을 제안하는 데 목적이 있다. 두 애플리케이션을 모두 사용해본 경험이 있는 실험집단을 모집하여 1차로 조회 및 이체 서비스에 관한 task를 진행한 후 2차로 스티븐 앤더슨(Stephen P. Anderson)의 Creating Pleasurable Interface 모형을 재구성하여, 2030세대의 성향 특징 중심 키워드로 작성한 질문을 통해 심층 인터뷰를 진행하였다. 실험 결과, 사용자들은 사용성에 따라 만족도를 보였으며, 금융 거래 성향과 금전 관리 방식에 따라 애플리케이션 사용 경험이 나뉘었다. 따라서 개선 방안으로는 사용자의 금융 거래 성향을 공유할 수 있는 기능과 일상생활에서의 금전 관리를 돕기 위한 서비스가 요구된다. 본 연구는 사용자 중심의 핀테크 애플리케이션 서비스로 발전하기 위한 방안을 모색하는 데 도움이 될 것으로 기대한다.

Keywords

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