近年來，千禧世代一族進入市場，卻對於投資理財缺乏興趣。現存的金融服務無法吸引千禧世代使用，提升投資理財行動應用程式的服務體驗已成為一亟待解決的重要課題。因此，本研究的目的在於運用使用者為中心設計的方法了解千禧世代的投資理財行為以及需求，找尋投資理財行動應用程式之服務缺口，再給予設計建議，並衡量設計的投資理財行動應用程式是否使使用者獲得更好的服務體驗品質。
首先，以問卷、訪談法進行使用者研究，了解其行為及價值觀。接著，依據使用者研究結果繪製一人物誌 (Persona)；再以服務設計手法繪製出顧客旅程地圖，發掘現有投資理財管理應用程式之關鍵服務缺口。
根據以上結果，歸納出設計方向，且製作投資理財行動應用程式之原型，供使用者測試，分析使用者介面滿意度問卷 (Questionnaire for User Interface Satisfaction, QUIS) 與系統使用性尺度量表 (System Usability Scale, SUS) 結果。
根據目前使用者研究結果，對於投資理財行動應用程式提出以下建議：(1) 以未來消費目標為投資理財目的；(2) 提供以人工智慧分析的推薦商品；(3) 明確表達目前理財情形與目標的距離；(4) 有彈性的將額外金額加入目標方案。
研究者依據前期調查研究進行介面設計並進行驗證，驗證實驗後，得出以下建議：(1) 為千禧世代所設計之投資理財應用程式應設立明確目標，有助於提升千禧世代對於投資理財行為的意願，並減少原先對於投資理財的心理負擔；(2) 對於資訊的呈現期望有更高的自由度，例如直覺的放大縮小走勢趨向、查看各種數據細項；(3) 通知入帳並建議投資的功能讓使用者改變其分配資金的行為，並可以提升應用程式體驗的滿意度。(4) 未來資產的成長情形宜透過人工智慧不斷改善，將是千禧世代使用金融科技投資理財服務的關鍵之一。

In recent years, millennials have entered the market, but they lack interest in investment and wealth management. Existing financial services do not attract millennials, and improving the service experience of investment and wealth management mobile applications has become an urgent issue. Therefore, the purpose of this research study is to adopt user-centered design methodologies to understand the user's behavior and needs, find the service gap of the investment and wealth management mobile application, give design suggestions, and measure whether the designed financial mobile application is capable of providing a better experience for the users.
First, this study hopes to conduct user research using questionnaires and interviews to understand their behavior and values, and then illustrates a persona based on user research results. A customer journey map is illustrates using service design techniques to discover key service gaps in existing financial applications.
Based on the above pilot study, the study concluded with several directions for the application design. A prototype of the financial mobile application is designed for user testing, Questionnaire for User Interface Satisfaction (QUIS) and System Usability Scale (SUS) will be used to help analyze the overall quality of the user interface design.
According to the current user research results, the following suggestions are made for the financial mobile application: (1) Future consumption goals are the drivers of investment and wealth management, therefore the application should provide the function of helping users create and reach their goals; (2) For millennials’ tendency to use services that adopt artificial intelligence, the application should provide recommended products analyzed by artificial intelligence; (3) Clear expression of the current financial situation and the distance of the target is crucial; (4) The function of adding and withdrawing amount for individual plans flexibly should be included. The researcher designed and evaluate the interface based on the user study and secondary research. After verifying the experiment, the following recommendations were obtained: (1) Setting clear goals helps to increase the willingness of millennials to invest in financial management and reduce the original stress of investment and financing; (2) A higher degree of freedom for the presentation of information, such as intuitively zooming in and out of the trend to help view various data details, is preferred; (3) The function of notifying incomes and recommending investment options allows users to improve their behavior of using money, and enhance the pleasure of the user experience. (4) The presentation design of future asset growth should be continuously iterated with the evolution of artificial intelligence, which will be one of the keys for millennials to use fintech when investing in financial services.

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