Research On The Experience Design Of Mobile Money Based On User’s Cognition

With the rapid development of mobile Internet and online finance, there is a massive growing in the number of mobile money platforms. Fast and convenient mobile-money applications have become important tools that human beings must interact with during daily life. Users’needs for financial products go beyond simply high yield to cognitive characteristics like simplicity and fluency. Meanwhile, mobile money is established in the essence of financial circulation, combined with the spirit of Internet innovation. Mobile-money products are complex and professional. In addition, at this stage a dominant monopoly pattern has not formed, and it is the key time to enhance financial education and train loyal users. Thus, faced with changing design demand, complex design object, a development opportunities and risks coexist period, user experience design is facing a problem that how to build a good cognition experience and educate for all. Therefore, the purpose of this paper is to identify cognitive characteristics in experience design of mobile momey, and based on this to provide practical guidance and reference for the experience design.Based on the Cognitive Information Processing theory and combined with the characteristics and user study of mobile money, our research is target on three levels of metacognition experience:cognition experience layer, action experience layer and metacognition experience layer. Where cognition experience layer is concerned, we study the characteristics of the four systems based on Human Model of Information Processing, and conclude about two ways to build a good cognition experience.With the study of existing experience design, the mapping relationship between metacognition experience levels and design elements is built. The cognition experience and action experience layers are respectively implemented to information flow and task flow of presentation, frame and structure sheaf.After that, to apply the theory, we build metacognition experience design model based on the mapping relationship of metacognition experience levels and design elements, which indicates that design process is going from analysis of user needs to cognition and action experience, and finally coming to metacognition experience. The design strategies offer valuable guidance for design on users’cognition and action experience.At the last part of thesis, one design of mobile-money case is introduced. It is designed under the guidance of the metacognition experience design strategy. The design case suggests the value of the metacognition experience design strategy.The innovation of this paper is building the relationship between user experience design and users’cognition experience based on the theories. It offers a framework of metacognition experience on design, based on which useful and valuable design strategies on metacognition experience are built as design guidance for experience designers. Besides, this research also offers a solution on the method of experience design research.