網路的廣泛普及和科技的快速發展使得數位金融成為全球金融業主要趨勢。尤其於2020年新冠病毒(COVID-19)疫情影響下，數位金融應用受到更多關注，民眾於線上進行各種金融操作的比例明顯增加。數位化使得時間和空間限制得以克服，帶來極大的便利性。本研究目的為數位金融應用程式之介面使用性研究，透過受測者於前導性實驗及驗證實驗中之操作行為及任務績效分析結果，主要在了解受測者於介面操作方面的體驗，進一步發現介面設計中存在之問題以及可能改進之方向。
本研究共有兩階段實驗：(1)前導性實驗：採用市面上已發行之三款數位金融應用程式為實驗樣本，以單因子受測者間實驗進行任務操作，透過績效量測法、觀察法及後續訪談進一步了解其介面現有之問題及使用性。(2)驗證實驗：以前導性實驗得到之結果及受測者為依據，進行3 (資訊呈現) X 2 (底部導覽列)雙因子受測者間實驗原型介面設計。經由任務操作績效、訪談、系統使用性尺度量表(SUS)及使用者互動滿意度問卷(QUIS)，做量化及質化分析並得出最終結論與建議。
研究結果顯示：(1)「有底部導覽列」之任務績效優於「無底部導覽列」之任務績效。(2)資訊呈現「條列式」之介面使用性最佳，也最受歡迎。(3)年齡分組以A組(18-39歲)之操作績效優於C組(56歲以上)。

The widespread accessibility of the internet and the rapid advancement of technology have positioned digital finance as a primary global trend in the financial industry. Particularly, with the impact of the COVID-19 pandemic in 2020, digital finance applications have garnered increased attention, leading to a noticeable rise in the proportion of individuals conducting various financial transactions online. Digitization has overcome constraints related to time and space, providing significant convenience. This study focuses on the usability of the interface in digital finance applications. Through the analysis of participants' behaviors and task performance in preliminary and validation experiments, the objective is to comprehend users' experiences in interface operations. Furthermore, the study aims to identify issues in interface design and explore potential directions for improvement.
This study consists of two phases of experiments: (1) Pilot Experiment: Three existing digital financial applications were selected as experimental samples. A single-factor between-subjects experiment was conducted for task operations. Performance measurement, observational methods, and subsequent interviews were employed to further understand the existing interface issues and usability. (2) Validation Experiment: Based on the results and participants from the pilot experiment, a 3 (Information Presentation) x 2 (Bottom Navigation Bar) factorial between-subjects experimental prototype interface design was conducted. Quantitative and qualitative analyses were performed using task performance, interviews, the System Usability Scale (SUS), and the Questionnaire for User Interaction Satisfaction (QUIS) to derive final conclusions and recommendations.
The research results indicate that: (1) The task performance with a Bottom Navigation Bar is superior to the task performance without a Bottom Navigation Bar. (2) The usability of the 'list-style' interface is the best and most preferred. (3) The age group A (18-39 years old) demonstrates better task performance than the age group C (56 years and above).

英文文獻
1. Brooke, J. (1996). SUS: A quick and dirty usability scale. In P. W. Jordan, B. Thomas, B. A. Weerdmeester, & I. L. McClelland (Eds.), Usability Evaluation in Industry (pp. 189-194). Taylor and Francis.
2. Brooke, J. (2013). SUS: a retrospective. Journal of usability studies, 8(2), 29-40.
3. Bangor, A., Kortum, P. T., & Miller, J. T. (2009). Determining what individual SUS scores mean: Adding an adjective rating scale. Journal of Usability Studies, 4(3), 114-123.
4. Cooper A. Reimann R. & Cronin D. (2007). About face 3: The essentials of interaction design ([3rd ed.] Completely rev. & updated). Wiley Pub.
5. Restyandito, R. & Kurniawan, E. (2017). The Effect of Screen Size and Interaction Style on Mobile Device Usability. 25.
6. Johnson, J. (2000). GUI Bloopers: Don’ts and Do’s for software developers and web designers, San Francisco, CA: Morgan Kaufmann Pub.
7. Norman, D. A. (1983). Some Observations on Mental Models. In Cognitive Science, 7(4), 385-401.
8. Norman, D. A. (2013). The design of everyday things. MIT Press.
9. Nielsen, J. (1993) Usability engineering. AP Professional, New York.
10. Nielsen, J. (1994). Heuristic evaluation. Usability inspection methods. John Wiley & Sons, Inc., USA, 25–62.
11. Nielsen, J. (1994,). Usability inspection methods. In Conference companion on Human factors in computing systems (pp. 413-414).
12. Pielot, M., & Oliver, N. (2016). Exploring the Usage of Bottom Navigation Bars on Mobile Devices. In Proceedings of the 18th International Conference on Human-Computer Interaction with Mobile Devices and Services (pp. 309-319). ACM.
13. Rubin, J., & Chisnell, D. (2008). Handbook of Usability Testing: How to Plan, Design, and Conduct Effective Tests. Wiley.
14. Sauro, J., & Lewis, J. R. (2016). Quantifying the user experience: Practical statistics for user research. Morgan Kaufmann.
15. Shneiderman, B. (1997). Designing the User Interface: Strategies for Effective Human-Computer Interaction. Addison-Wesley.
16. Shneiderman, B., & Plaisant, C. (2010). Designing the User Interface: Strategies for Effective Human-Computer Interaction (5th Edition). Addison-Wesley Professional.
17. Tarasewich, P. (2003). Designing mobile commerce applications. Commun. ACM, 46, 57-60.
18. Tullis T. & Albert B. (2013). Measuring the user experience: Collecting, analyzing and presenting usability metrics. Elsevier.
中文文獻
1. 李沃牆(2017)，臺灣發展數位金融的機會與挑戰。國土與公共治理季刊，5，28。
2. 余弘儀(2021)，善用UX來提升UU：打造滿足新手和專家的UI，新北市：博碩文化股份有限公司。
3. 林鵬飛、張群儀、許牧彥(2012)，圖形化使用者介面的設計專利分析。國立台北科技大學服務與科技管理研究所第一屆服務與科技管理研討會，2。
4. 陳郁汝(2010)，圖形化使用者介面之頁面配置研究—以電子睡眠日誌為例，碩士論文，國立台灣科技大學，台北市。
5. 陳正偉(2011)，觸控介面操作使用經驗之研究與設計—以電子睡眠日誌為例，碩士論文，國立台灣科技大學，台北市。
6. 陳芝菁、陳建雄（2011）。智慧型手機操作介面之使用性評估。工業設計，(124)，52-57。
7. 陳慧玲、陳建雄、陳詩捷 (2011) 。以體驗觀點探討Apple產品之使用者介面設計-以iPod、iPhone為例。工業設計，33-39。
8. 陳慧玲、陳建雄(2012)。社群網站之智慧型行動裝置使用者介面研究。工業設計，第四十卷 第二期， 138-143。
9. 張欣雯 (2011)，使用者中心之產品介面設計與研究—以手持式行動裝置設計為例。碩士論文，國立台灣師範大學，台北市。
10. 黃華兵、馬磊(2006)。為什麼純網路銀行還未成為銀行主導模式-新制度經濟學的視角商場現代化，(468)。
11. 創市際市場研究顧問公司(2020)，2020年台灣網路使用概況回顧。創市際雙週刊，171，15-18。
12. 鄧成連(2011)，使用者中心之產品介面設計與研究—以手持式行動裝置設計為例，碩士論文，國立台灣師範大學，台北市。
13. 魏鴻麟(2013)，電腦圖像及圖形化使用者介面之設計專利的發展趨勢分析。智慧財產權月刊 ，169 。
網路文獻
1. Material Design Bottom navigation.Retrieved from https://m2.material.io/components/bottom-navigation
2. ISO(2013).ISO/TS 20282-2:2013 Usability of consumer products and products for public use — Part 2: Summative test method. Retrieved from https://www.iso.org/obp/ui/#iso:std:iso:ts:20282:-2:ed-2:v1:en
3. ISO(2018).ISO 9241-11:2018 Ergonomics of human-system interaction — Part 11: Usability: Definitions and concepts. Retrieved from https://www.iso.org/obp/ui/#iso:std:iso:9241:-11:ed-2:v1:en
4. Nielsen, J. (2000). Why you only need to test with 5 users. Retrieved from https://www.nngroup.com/articles/why-you-only-need-to-test-with-5-users/
5. DIGITIMES企劃(2009)，人機介面概念及定義分析與基本原則，取自：https://www.digitimes.com.tw/tech/dt/n/shwnws.asp?cnlid=14&id=0000162965_OFPLO3MV57QI7J61W9QE0
6. 中國信託銀行(2020)，「數位金融全客群大調查」 分析不同世代、不同場景需求，取自：https://www.ctbcholding.com/content/dam/twhoo/file/news/2020/20201016.pdf
7. 中國信託銀行(2021)，「2021數位金融全客群大調查」，取自：https://www.ctbcholding.com/content/dam/twhoo/file/news/2021/20211129.pdf
8. 台新銀行(2023)，數位金融小教室｜疫情共存時代與金融科技的碰撞讓手機1秒變銀行，取自：https://www.taishinbank.com.tw/TSB/about-taishin/taishin-article/TSBankGridPage-000208-00001/#:~:text=%E6%95%B8%E4%BD%8D%E9%87%91%E8%9E%8D%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F,%E5%8F%97%E9%99%90%E6%96%BC%E6%99%82%E9%96%93%E3%80%81%E4%BD%8D%E7%BD%AE
9. 周遵儒(2012)，圖像使用介面graphical user interface(GUI)，取自：https://terms.naer.edu.tw/detail/1678811/
10. 高瑜君(2021)，FinTech概念股 投資熱點，取自：https://fund.udn.com/fund/story/5858/5415506
11. 高敬原(2019)，純網銀、數位銀行、網路銀行差在哪？一張表看懂代表業者與特色，取自：https://www.bnext.com.tw/article/54010/what-is-internet-only-bank
12. 張世杰(2021)，數位生活圈／打造「有感」新金融 成為社會正向力量，取自：https://ubrand.udn.com/ubrand/story/12117/5571683
13. 國家發展委員會數位發展部(2019)，網路趨勢與社群應用分享，取自：https://www.webguide.nat.gov.tw/News_Content.aspx?n=531&s=3005
14. 喬比Joli(2022)，【網路銀行】是什麼?一眼秒懂申請網銀4大攻略/風險/優缺點評比分享，取自：https://aifun01.com/what-is-the-online-banking/#%E7%B6%B2%E8%B7%AF%E9%8A%80%E8%A1%8C%E5%88%B0%E5%BA%95%E6%98%AF%E4%BB%80%E9%BA%BC%E5%91%A2