近年來受金融科技發展與消費者使用習慣改變影響，全球銀行業大幅縮減實體分行，並逐漸將原有服務數位化。在現代消費者認知中，銀行的概念已漸由一個特定場域轉化為無處不在的服務，伴隨全天候金融服務的必要與臨櫃客戶逐漸消失的趨勢，促使純網路銀行的開戶需求逐漸提升。本研究目的在於為純網路銀行的行動服務產品進行介面使用性評估與探討其資訊呈現方式，並對於本研究提出的介面設計方案加以驗證，用以歸納出在純網路銀行領域相關數位產品的介面設計建議與參考方向。

本研究包含兩部份實驗：(1)前導性實驗設計：以現有純網路銀行行動應用程式作為實驗樣本，調查受測者對產品的使用習慣，藉由任務操作、問卷調查與使用者訪談初步了解各個應用程式之優缺點。(2)驗證實驗：基於前導性實驗結果，將介面元素進行整理並針對選定研究變項來優化，製作不同樣式的原型設計作為探討樣本。本實驗採用3 (首頁介面設計) x 2 (內頁資訊呈現)雙因子組間設計方式進行，「首頁介面設計」變項包含三種層級：(1)宮格式、(2)卡片式、(3)混合式，而「內頁資訊呈現」變項包含二種層級：(1)單頁式、(2)多頁式。透過驗證實驗進行模擬測試與評估，涵蓋任務操作績效計測、使用者感受評量問卷與訪談，統整分析實驗結果後提出總結論。

本研究之成果與結論歸納如下：(1) 宮格式與混合式首頁介面使用性表現良好，使用者的滿意度較高。(2) 卡片式首頁介面實際應用效果比較不佳。(3) 混合式首頁介面提供較多元化的操作路徑。(4) 單頁式功能內頁可以提供比較流暢的操作體驗。(5) 介面功能按鈕的文字大小與按鈕圖示搭配需被妥善規劃。

In recent years, affected by the development of financial technology and changes in consumer habits, the global banking industry has greatly reduced physical branches and gradually digitized original services. In the cognition of modern consumers, the concept of banking has gradually transformed from a specific field to a ubiquitous service. With the necessity of all-weather financial services and the gradual disappearance of customers in front of the counter, the demand for account opening of Internet-Only Banks has gradually increased. The purpose of this research is to evaluate the usability of the interface and discuss the information presentation method for mobile service products of Internet-Only Banks, and to verify the interface design scheme proposed in this research for summarize the relevant digital products in the field of Internet-Only Banking interface design suggestions and reference directions.

The research includes two parts of experiments: (1) Preliminary experimental design: Take the existing internet-only banking mobile application as the experimental sample, investigate the usage habits of users, and get a preliminary understanding through task operations, questionnaire surveys and user interviews pros and cons of each application. (2) Verification experiment: Based on the results of the pilot experiment, the interface elements are organized and optimized for the selected research variables, and different prototype design samples are made as the research samples. The experiment was carried out with a 3 (homepage interface design) x 2 (inner page information presentation) two-factor between-group design method. The "homepage interface design" variable included three layers: (1) palace-type, (2) card-type, (3) mixed-type. The "inner page information display" variable contains two layers: (1) single-page type, (2) multi-page type. Conduct simulation tests and evaluations through verification experiments, covering task operation performance measurement, user experience evaluation questionnaires and interviews, and finally analyze the experimental results and put forward conclusions.

The results and conclusions of this study are summarized as follows: (1) The usability of the palace-type and mixed-type homepage interface performs well, and the user’s satisfaction score is the highest. (2) The practical application effect of the card-type home page interface is no good. (3) The mixed-type home page interface provides diversified operation paths for user. (4) The single-page type function inner page provides good APP operation experience for user. (5) The text size of the function button and the matching of the button icon need to be properly planned.

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