了解拉丁美洲的界面设计和移动货币认知
Understanding Interface Design and Mobile Money Perceptions in Latin America
摘要：
移动货币可促进发展中国家的金融包容性，因为这些国家通常移动电话使用率高，汇款活动稳定。拉丁美洲的许多国家都达到了使用移动货币的最低技术要求，但该地区的采用率相对较低。本文调查了导致拉丁美洲人不信任并因此不采用移动货币的不同因素。为此，我们分析了市场上的27个移动货币应用程序，并调查了拉丁美洲人对此类界面的看法。从我们的研究中，我们挑出了对发展中国家用户采用影响最大的界面功能。我们发现，对于拉丁美洲市场来说，创建移动应用程序至关重要，这些应用程序允许用户可视化和理解他们的资金流向收件人的工作流程。我们研究了这些发现在设计未来的移动货币应用程序，可以有效地提高使用电子金融交易在拉丁美洲的重要性。
英文摘要：
Mobile money can facilitate financial inclusion in developing countries, which usually have high mobile phone use and steady remittance activity. Many countries in Latin America meet the minimum technological requirements to use mobile money, however, the adoption in this region is relatively low. This paper investigates the different factors that lead people in Latin America to distrust and therefore not adopt mobile money. For this purpose, we analyzed 27 mobile money applications on the market and investigated the perceptions that people in Latin America have of such interfaces. From our study, we singled out the interface features that have the greatest influence in user adoption in developing countries. We identified that for the Latin America market it is crucial to create mobile applications that allow the user to visualize and understand the workflow through which their money is traveling to recipients. We examined the significance of these findings in the design of future mobile money applications that can effectively improve the use of electronic financial transactions in Latin America.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
