![]() |
[email protected] |
![]() |
3275638434 |
![]() |
![]() |
Paper Publishing WeChat |
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Linlu Cai
Euitay Jung
Full-Text PDF
XML 42 Views
DOI:10.17265/2159-5542/2025.04.001
Hanyang University, Seoul, South Korea
Hanyang University ERICA, Ansan, South Korea
With the advancement of globalization, South Korea has become a key destination for international students. However, these students often face challenges in adapting to daily life, particularly when using mobile banking applications, due to insufficient language support, cultural differences, and complex operational procedures. This study focuses on Chinese international students and analyzes the UI/UX design of mobile banking applications offered by Kookmin Bank and Hana Bank. Through literature reviews and surveys, the study identifies limitations in language adaptability, functionality layout, user interaction, and cultural adaptation, proposing concrete design improvements. The findings indicate that optimizing UI/UX design can significantly enhance international students’ user experience and strengthen the global competitiveness of South Korean mobile banking services. This research provides reference material for designing for multicultural user groups and aims to promote research and practice in cross-cultural UI/UX design.
international students, mobile banking, user interface design, user experience, multicultural design
Psychology Research, April 2025, Vol. 14, No. 4
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Mobile banking adoption: A literature review and future research agenda. International Journal of Information Management, 37(2), 100-117.
Bentler, P. M., & Bonett, D. G. (1980). Significance tests and goodness of fit in the analysis of covariance structures. Psychological Bulletin, 88(3), 588-606.
Chaudhuri, A., & Holbrook, M. B. (2001). The chain of effects from brand trust and brand affect to brand performance: The role of brand loyalty. Journal of Marketing, 65(2), 81-93.
Chen, J., & Wang, X. (2020). Chinese international students’ financial needs and banking experiences abroad. Journal of International Students, 10(2), 482-498.
Gao, L., & Bai, X. (2014). A study on the influencing factors of mobile banking user’s continuous usage intention. Journal of Applied Sciences, 11(6), 823-834.
Garrett, J. J. (2010). The elements of user experience: User-centered design for the web and beyond. Berkeley: New Riders.
Khan, M. N., & Alghamdi, R. (2020). User acceptance of mobile banking in Saudi Arabia: A cross-cultural study. Journal of King Saud University-Computer and Information Sciences, 32(4), 419-428.
Kim, H., & Lee, J. (2022). Blockchain and AI integration in Korean mobile banking services. Journal of Financial Technology, 5(1), 22-38.
Kookmin Bank. (2023). Mobile banking service innovation report. Kookmin Bank Research, 23(1), 34-46.
Marcus, A. (2015). Cross-cultural user experience design in banking apps. Springer Series on Digital Services, 12(4), 305-320.
Norman, D. A. (2013). The design of everyday things. New York: Basic Books.
Yonhap News. (2023, August 16). Korea strives to increase international students to 300,000 in 2027. Retrieved from https://cn.yna.co.kr
Lee, J., & Park, S. (2021). The impact of digital finance on consumer behavior: A case study in South Korea. Journal of Financial Technology, 15(3), 45–67.
Zhang, X., Li, Y., & Wang, Z. (2023). Blockchain applications in financial security: A systematic review. Financial Innovation Review, 10(2), 112–134.
Choi, M., Kim, H., & Lee, K. (2022). Mobile payment adoption among older adults: A technology acceptance model approach. Korean Journal of Digital Finance, 8(1), 23–40.
Korea Financial Technology Institute. (2022). Annual report on digital finance in Korea 2022. Korea Financial Technology Institute.
González, R., Fernández, L., & Martínez, P. (2022). FinTech adoption in Latin America: Barriers and opportunities. Latin American Journal of Financial Studies, 6(4), 78–99.