Bright Pattern 기반의 모바일 뱅킹 사용자 경험 평가 프레임워크 제안

초록

Mobile banking in South Korea continues to advance, and in parallel, scholarly research on this topic has been actively expanding. However, most prior studies have concentrated on functional issues such as improving usability or strengthening security, leaving a gap in the development of comprehensive evaluation frameworks for systematically assessing mobile banking user experience (UX) design. To address this limitation, the present study proposes an evaluation framework grounded in Bright Pattern theory. Using a systematic literature review, 553 prior studies on mobile banking UX were analyzed. From this review, 139 UX elements were identified and subsequently reorganized through two rounds of classification, leading to the selection of five core UX dimensions: Usability, Reliability, Security, Personalization, and Satisfaction. In addition, Bright Pattern principles applicable to mobile banking were extracted and mapped to these core dimensions to establish guidelines for user-centered evaluation criteria. The findings indicate that the Bright Pattern–based framework extends beyond the function-oriented assessments prevalent in earlier mobile banking UX research, offering concrete evaluation items that enable the holistic appraisal of user-centered experiences. This study is academically significant as it represents the first attempt to apply Bright Pattern theory to mobile banking UX evaluation. Furthermore, the proposed framework provides practical guidance for mobile banking design by supporting user trust and fostering long-term customer loyalty.

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