Design Of Guiding Decision Making For Mobile Financial Management Based On Prospect Theory

With the development of science and technology and the Internet,Internet finance came into being,advocated Pratt&Whitney Finance in the Internet brought about by the traditional financial does not have the new features under the guidance of the rapid progress.Later,Alipay and other third-party payment of the explosive development,the core of the Internet financial battlefield moved to the mobile financial market.For the Internet financial users decision-making is not only the operation of product function decision-making,but also on their own wealth.However,in the development of Internet finance,its essence is still "financial".highlighting the contradiction is the financial industry has a high degree of professionalism,high threshold and the Internet is efficient and convenient,and user needs and awareness of the promotion of its financial Decision-making experience can be obtained in the sense of control and sense of accomplishment with the user's own financial level of the restrictions and the formation of the user financial experience of the core contradictions.Behavioral decision-making is a area where the financial industry has long been a matter of great concern.For the current non-financial professional users to help financial decision-making effective means nothing more than background data screening,simple sorting after the push to the user,or direct intelligent investment,without the user's own decision-making.Intelligent screening of the degree of intelligence to be improved,and intelligent investment will allow users to lose sense of accomplishment.Therefore,in the design process for users in the financial experience to provide the appropriate decision-making guide is very urgent and necessary.The purpose of this paper is to discuss the interactive design of decision-making,reduce the user's cognitive and decision-making costs,and help users to make mobile financial decision-making.This paper first summarizes the current situation of the development of mobile and financial decision-making theory,and the contradiction between the change of demand for mobile financial users and the complexity of decision-making behavior,the high degree of self-ownership of product wealth and its own limited financial literacy the formation of the core contradictions to elaborate.After studying the prospect theory,this paper puts forward the mapping between guidance and decision behavior in combination with the theory of guided design and expresses the necessity of decision-making guidance design.The innovation of this paper mainly focuses on the application of the prospect theory to the design field.On this basis,it focuses on the analysis of the unique attributes of the existing financial products and the characteristics of their user needs,and the users in the process of mobile financial experience will face The decision-making point,the possible decision-making path and the relevant factors that influence the user's decision-making research,put forward the decision-based design model based on the prospect theory.In the specific content of the model to elaborate and analyze its scientific and necessary at the same time,in the editing and evaluation stage,respectively,put forward specific design strategies.In addition,through the practical case design application to prove the feasibility of decision-making design model,the decision-guided design model from the theoretical level to the behavior level,for the mobile financial products design provides a new method.