移动银行服务的情境感知模型构建

发布时间：2018-05-17 07:19

本文选题：情境感知 + 移动银行　；参考：《企业经济》2017年08期

【摘要】：手机银行作为个人金融服务及相关消费行为的新兴热点平台,需要满足用户更多情境化、定制化的需求。本文根据情境认知理论,对国内外多个学者提出的情境因素模型进行了综述和比较研究,并结合手机银行操作的强目的性、市场信息的重要性、情境信息的联动性等特点,提出了包含六种因素的移动银行服务情境感知模型。该模型对其他学者提出的情景因子进行了重新划分归纳,并引入市场情境作为新的情境感知因素之一。考虑到银行业务的强目的性,模型中情境认知的相关信息流都通过综合数据处理对任务情境提供指导,并通过手机银行的任务情境实现面向客户的定制化服务设计。此模型为手机银行情境感知相关的服务提供了基本创新思路,也可作为具体银行业务场景下实证研究的情境整合框架。
[Abstract]:As an emerging hot platform for personal financial services and related consumer behavior, mobile banking needs to meet the needs of more situational and customized users. According to the theory of situational cognition, this paper summarizes and compares the models of situational factors put forward by many scholars at home and abroad, and combines the characteristics of the strong purpose of mobile banking operation, the importance of market information, the linkage of situational information, etc. A situational awareness model for mobile banking services with six factors is proposed. The model reclassifies the situational factors proposed by other scholars and introduces market situation as one of the new situational perception factors. Considering the strong purpose of banking business, the relevant information flow of situational cognition in the model provides guidance to the task situation through comprehensive data processing, and realizes custom-made service design for customers through the task situation of mobile banking. This model provides a basic innovative idea for context-aware services in mobile banking, and can also be used as a situational integration framework for empirical research in specific banking scenarios.
【作者单位】：湖南大学设计艺术学院;
【基金】：国家科技支撑计划项目“基于云服务的工业设计与服装产业融合发展关键技术研发”(项目编号:2015BAH22F00) 湖南省战略性新兴产业科技攻关项目“基于数字化智能制造的工业设计协同创新平台建设”(项目编号:2015GK1011)
【分类号】：F724.6;F832.2

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