핀테크 서비스 앱의 디자인은 이용성과에 영향을 미칠까?: 인지감정이론을 이용한 실증연구

With the advancement of mobile technology, user-centered financial services have been expanding. A significant representative of the mobile service is called smart Fintech services using mobile devices. Accordingly, strengthening customer trust and improving satisfaction through improving Fintech service design in mobile apps have emerged as important management issues. This study focuses on the analysis of the impact of design factors to user’s attitude on the smart Fintech services user using cognitive emotion theory. This study performs an online survey using professional survey firm and then obtained with 313 available responses of the general public who have had experience with smart Fintech services. And, in term of design factors(navigation design, visual design, and information design), cognitive and emotional relationships were investigated using a Structural Equation Model. The result of this study conveys in the perspective of the Fintech services, the impact of the Fintech app design factors on the Fintech services usage performance (i.e., trust and satisfaction). The result of this study is to present beneficial information to assist in the development of user-centered Fintech services in the context of digital financial transaction.