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POVZETEK: V Sloveniji imajo spletne banke še precej prostora za izboljšanje storitev in širitev ponudbe med vse ciljne skupine. Banke lahko konkurenco prehitijo s spletnimi bančnimi storitvami, ki so oblikovane z mislijo na uporabnika, pri čemer se sodelovanju z njimi ni mogoče izogniti. V magistrskem delu s pomočjo pregleda literature in študije primera spletne banke NLB Klik predstavljamo, kako oblikovati in oceniti uporabniško izkušnjo komitentov s spletno banko. Raziskali smo vse tri vidike uporabniške izkušnje spletne banke, in sicer funkcionalnost, uporabnost in zadovoljstvo ob uporabi. Nato smo se osredinili na ključne dejavnike dobre uporabniške izkušnje, ki vključujejo: navigacijo, vizualno podobo uporabniškega vmesnika in razumevanje vsebine. Na osnovi raziskovalnih vprašanj ter s pomočjo testov uporabnosti in razvrščanja kartončkov smo pokazali, s katerimi težavami se spoprijemajo uporabniki spletne banke, ki z vidika uporabniške izkušnje ni optimizirana. Oblikovali smo tudi predloge, kako te težave odpraviti. Ugotovili smo, kako pripraviti strukturo in poimenovanja v navigacijskem meniju, kako izboljšati obliko posameznih funkcionalnosti, da bo vsebina dostopna za širšo ciljno skupino, in kako izboljšati podajanje informacij, da jih bodo uporabniki razumeli ter posledično bolj samozavestno in z veseljem uporabljali. Ker pregled literature kaže, da so izpostavljeni problemi široko prisotni, lahko predloge posplošimo tudi zunaj študije primera NLB Klika.
(ENGLISH) User experience in online banking: case study of user interface in service NLB Klik
Slovenian online banks show a considerable margin for improvement in the services they provide to all target groups. Banks can surpass their competition with banking services designed with users in mind, which also entails working closely with them. In this master thesis we investigate how to design and evaluate user experience of online banking drawing on a literature review and a case study of NLB Klik online bank. We first examine all three aspects of user experience: functionalities, usability, and user satisfaction. Next, we focus on the key factors of good user experience, including navigation, visual attributes of user interface, and reading comprehension. Driven by the research questions, we use usability tests and card sorting to examine what problems users face when an online bank is not optimized for user experience. Using the same data we then propose solutions to these difficulties. We provide suggestions on how to structure and name items in the navigation menu; how to change the design of specific functionalities to improve accessibility for a broader target group; how to make information delivery more understandable and how that leads to users using the service in with more confidence and delight. Since literature review shows that identified problems are wide present, we conclude that our findings
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