scholarly journals Can Skeuomorphic Design Provide a Better Online Banking User Experience for Older Adults?

2019 ◽  
Vol 3 (3) ◽  
pp. 63 ◽  
Author(s):  
Aaron Ellis ◽  
Mark T. Marshall
Keyword(s):  
Older Adults ◽  
User Interfaces ◽  
Banking System ◽  
Digital Technologies ◽  
Online Banking ◽  
Younger Adults ◽  
Customer Base ◽  
System Usability Scale ◽  
Validation Experiment ◽  
Flat Design

With the prevalence of digital technologies and internet connectivity, combined with the reduction in footfall on high streets, banks have taken steps to move most of their customer base online. This has left many older adults behind, trying to keep up with the changes and having to learn to use sometimes complex online banking interfaces. In this work we investigate whether skeuomorphic design can create a more usable online banking system for older adults, compared to the more commonplace flat design. This work took a user-centered approach, beginning with interviews with older adults that were conducted to gather data to be used in the production of prototype user interfaces. Two prototypes were then created: a flat user interface and a skeuomorphic one. We evaluated these interfaces with 15 older adults, gathering a combination of data, including data from the System Usability Scale, observations, and interviews. Results of the experiments showed that our older users preferred the flat prototype to the skeuomorphic one, but raised some potentially useful guidelines for the design of future skeuomorphic user interfaces for older adults. A validation experiment with 17 younger adults (aged 20–25) also showed that the skeuomorphic interface was more usable for older adults than younger ones.

Internet Navigation Skills for Financial Management: Associations with Age, Neurocognitive Performance, and Functional Capacity

2020 ◽  
Author(s):  
Samina Rahman ◽  
Victoria Kordovski ◽  
Savanna Tierney ◽  
Steven Paul Woods
Keyword(s):  
Older Adults ◽  
Functional Capacity ◽  
Financial Management ◽  
Internet Banking ◽  
Online Banking ◽  
Neurocognitive Performance ◽  
Younger Adults ◽  
Neurocognitive Functions ◽  
Age Related ◽  
Use Factors

Objective: Online banking is becoming increasingly common among older adults, whomay experience difficulties effectively navigating this instrumental technology. Thisstudy examined age effects on a performance-based Internet banking task and itsassociation with neurocognitive ability and functional capacity in older and youngeradults. Method: Thirty-five older adults and 50 younger adults completed anexperimenter-controlled online banking measure in which they independentlyperformed a series of naturalistic financial tasks (e.g., account transfers, bill paying).Participants also completed a standardized battery of neuropsychological tests andmeasures of functional capacity. Results: Older adults were markedly slower and lessaccurate in completing the Internet-based banking task, which was not confounded byother demographic, mood, or computer use factors. Higher scores on measures ofneurocognition and financial functional capacity were both strongly associated withhigher Internet-based banking task accuracy scores and quicker completion times inthe older, but not the younger adults. Conclusions: Findings suggest that older adultsexperience difficultly quickly and accurately navigating online banking platforms, whichmay be partly related to age-related declines in neurocognitive functions and basicfinancial capacity. Future studies might examine whether neurocognitive approaches toremediation and compensation can be used to improve online banking capacity inolder adults.

scholarly journals IMPROVING CONSUMER LENDING MODEL CLIENTS

2016 ◽  
Vol 2 (1) ◽  
pp. 245-249
Author(s):  
Лычева ◽  
Irina Lycheva ◽  
Молчанова ◽  
Vera Molchanova
Keyword(s):  
User Interfaces ◽  
Banking Sector ◽  
Banking System ◽  
Customer Base ◽  
Consumer Lending ◽  
Banking Market ◽  
The Russian Federation ◽  
Relationship Of ◽  
The Relationship

The dynamism of the ongoing reforms in the domestic banking sector, one way or another, concerns the relationship of banks with their clients. The customer base responds differently to the reform of the banking system: there is a category of clients who do not take the action of the Central Bank of the Russian Federation, they argue that the monopoly of state-owned banks will lead to a deterioration of service, reduction in quality of banking products and riskiness of banking operations. But there is another category of customers who are positive about the changes and consider increasing the state presence in the banking market of the natural course of development. They link these changes with the possibility of increasing the funding the most important sectors of the real sector of the economy: construction, metallurgy, mechanical engineering. The problem of the banking sector today and in previous periods is similar in many respects: banks still continue to search for the elusive Holy Grail - lasting relationships with customers. Despite the high technology, graphical user interfaces and marketing strategy for the implementation of the task is still unclear in many respects.

A Systematic Review of Human Factors Literature About Voice User Interfaces and Older Adults

2020 ◽  
Vol 64 (1) ◽  
pp. 13-17
Author(s):  
Brodrick Stigall ◽  
Kelly Caine
Keyword(s):  
Older Adults ◽  
Human Factors ◽  
User Interfaces ◽  
Younger Adults ◽  
The Past ◽  
Search Terms ◽  
Human Factors And Ergonomics ◽  
Age Related ◽  
Broad Array ◽  
Voice User

We conducted a systematic literature review of the human factors literature at the intersection of voice user interfaces (VUI) and older adults among Human Factors publications. Our review was limited to research published in the past 50 years (1970 – 2020) in either the journal Human Factors or the Proceedings of the Human Factors and Ergonomics Society. While we included a broad array of search terms related to VUIs, we found very few articles about VUIs that were specifically focused on designing for older adults or used older adults as participants in studies. Of the 26 human factors publications we did find that were related to this topic, most found older adults take more time to operate VUIs and/or made more errors than younger adults, whereas a minority of publications found no age-related differences. We concluded that age-related differences in the use of VUIs are likely task specific.

Cognitive Load Affects Speech Motor Performance Differently in Older and Younger Adults

2019 ◽  
Vol 62 (5) ◽  
pp. 1258-1277 ◽  
Author(s):  
Megan K. MacPherson
Keyword(s):  
Older Adults ◽  
Cognitive Load ◽  
Motor Performance ◽  
Age Groups ◽  
Incongruent Condition ◽  
Sentence Production ◽  
Movement Duration ◽  
Production Task ◽  
Younger Adults ◽  
Speech Motor

PurposeThe aim of this study was to determine the impact of cognitive load imposed by a speech production task on the speech motor performance of healthy older and younger adults. Response inhibition, selective attention, and working memory were the primary cognitive processes of interest.MethodTwelve healthy older and 12 healthy younger adults produced multiple repetitions of 4 sentences containing an embedded Stroop task in 2 cognitive load conditions: congruent and incongruent. The incongruent condition, which required participants to suppress orthographic information to say the font colors in which color words were written, represented an increase in cognitive load relative to the congruent condition in which word text and font color matched. Kinematic measures of articulatory coordination variability and movement duration as well as a behavioral measure of sentence production accuracy were compared between groups and conditions and across 3 sentence segments (pre-, during-, and post-Stroop).ResultsIncreased cognitive load in the incongruent condition was associated with increased articulatory coordination variability and movement duration, compared to the congruent Stroop condition, for both age groups. Overall, the effect of increased cognitive load was greater for older adults than younger adults and was greatest in the portion of the sentence in which cognitive load was manipulated (during-Stroop), followed by the pre-Stroop segment. Sentence production accuracy was reduced for older adults in the incongruent condition.ConclusionsIncreased cognitive load involving response inhibition, selective attention, and working memory processes within a speech production task disrupted both the stability and timing with which speech was produced by both age groups. Older adults' speech motor performance may have been more affected due to age-related changes in cognitive and motoric functions that result in altered motor cognition.

Regulation of Experienced and Anticipated Regret for Daily Decisions in Younger and Older Adults in a Swedish One-Week Diary Study

GeroPsych ◽  
2013 ◽  
Vol 26 (4) ◽  
pp. 233-241 ◽  
Author(s):  
Pär Bjälkebring ◽  
Daniel Västfjäll ◽  
Boo Johansson
Keyword(s):  
Older Adults ◽  
Diary Study ◽  
Anticipated Regret ◽  
Younger Adults ◽  
Web Based ◽  
Decision Regret ◽  
Diary Method ◽  
Regulation Strategies

Regret and regret regulation were studied using a weeklong web-based diary method. 108 participants aged 19 to 89 years reported regret for a decision made and a decision to be made. They also reported the extent to which they used strategies to prevent or regulate decision regret. Older adults reported both less experienced and anticipated regret compared to younger adults. The lower level of experienced regret in older adults was mediated by reappraisal of the decision. The lower level of anticipated regret was mediated by delaying the decision, and expecting regret in older adults. It is suggested that the lower level of regret observed in older adults is partly explained by regret prevention and regulation strategies.

Video Games and Emotion Regulation

GeroPsych ◽  
2018 ◽  
Vol 31 (4) ◽  
pp. 205-213 ◽  
Author(s):  
Kathryn L. Ossenfort ◽  
Derek M. Isaacowitz
Keyword(s):  
Older Adults ◽  
Emotion Regulation ◽  
Video Games ◽  
Age Differences ◽  
Interactive Media ◽  
Age Groups ◽  
Younger Adults ◽  
Media Usage ◽  
The Everyday ◽  
Media Preferences

Abstract. Research on age differences in media usage has shown that older adults are more likely than younger adults to select positive emotional content. Research on emotional aging has examined whether older adults also seek out positivity in the everyday situations they choose, resulting so far in mixed results. We investigated the emotional choices of different age groups using video games as a more interactive type of affect-laden stimuli. Participants made multiple selections from a group of positive and negative games. Results showed that older adults selected the more positive games, but also reported feeling worse after playing them. Results supplement the literature on positivity in situation selection as well as on older adults’ interactive media preferences.

Slow Down You’re Moving Too Fast

2015 ◽  
Vol 27 (2) ◽  
pp. 53-63 ◽  
Author(s):  
Annie Lang ◽  
Nancy Schwartz ◽  
Sharon Mayell
Keyword(s):  
Older Adults ◽  
Cognitive Aging ◽  
Attention And Memory ◽  
Younger Adults ◽  
Media Messages ◽  
Two Factors ◽  
The Difference

The study reported here compared how younger and older adults processed the same set of media messages which were selected to vary on two factors, arousing content and valence. Results showed that older and younger adults had similar arousal responses but different patterns of attention and memory. Older adults paid more attention to all messages than did younger adults. However, this attention did not translate into greater memory. Older and younger adults had similar levels of memory for slow-paced messages, but younger adults outperformed older adults significantly as pacing increased, and the difference was larger for arousing compared with calm messages. The differences found are in line with predictions made based on the cognitive-aging literature.

Executive Dysfunction Mediates the Association Between Older Age and Online Health Information Search Performance

2020 ◽  
Author(s):  
Victoria Kordovski ◽  
Savanna M. Tierney ◽  
Samina Rahman ◽  
Luis D. Medina ◽  
Michelle A. Babicz ◽  
...  
Keyword(s):  
Older Adults ◽  
Executive Functions ◽  
Information Search ◽  
Search Task ◽  
Executive Dysfunction ◽  
Older Age ◽  
The Internet ◽  
Younger Adults ◽  
Related Information ◽  
Health Related

Objective: Searching the Internet for health-related information is a complex and dynamic goal-oriented process that places demands on executive functions, which are higher-order cognitive abilities that are known to deteriorate with older age. This study aimed to examine the effects of older age on electronic health (eHealth) search behavior, and to determine whether executive functions played a mediating role in that regard. Method: Fifty younger adults (≤ 35 years) and 41 older adults (≥50 years) completed naturalistic eHealth search tasks involving fact-finding (Fact Search) and symptom diagnosis (Symptom Search), a neurocognitive battery, and a series of questionnaires. Results: Multiple regression models with relevant covariates revealed that older adults were slower and less accurate than younger adults on the eHealth Fact Search task, but not on the eHealth Symptom Search task. Nevertheless, executive functions mediated the relationship between older age and eHealth Fact Search and Symptom Search accuracy. Conclusions: Older adults can experience difficulty searching the Internet for some health-related information, which is at least partly attributable to executive dysfunction. Future studies are needed to determine the benefits of training in the organizational and strategic aspects of Internet search for older adults and whether these findings are applicable to clinical populations with executive dysfunction.

Age-Related Differences in Motivational Integration and Cognitive Control

2019 ◽  
Author(s):  
Debbie Marianne Yee ◽  
Sarah L Adams ◽  
Asad Beck ◽  
Todd Samuel Braver
Keyword(s):  
Older Adults ◽  
Decision Making ◽  
Cognitive Control ◽  
Task Performance ◽  
Cognitive Task ◽  
Monetary Reward ◽  
Potential Candidate ◽  
Younger Adults ◽  
Age Related ◽  
Cognitive Task Performance

Motivational incentives play an influential role in value-based decision-making and cognitive control. A compelling hypothesis in the literature suggests that the brain integrates the motivational value of diverse incentives (e.g., motivational integration) into a common currency value signal that influences decision-making and behavior. To investigate whether motivational integration processes change during healthy aging, we tested older (N=44) and younger (N=54) adults in an innovative incentive integration task paradigm that establishes dissociable and additive effects of liquid (e.g., juice, neutral, saltwater) and monetary incentives on cognitive task performance. The results reveal that motivational incentives improve cognitive task performance in both older and younger adults, providing novel evidence demonstrating that age-related cognitive control deficits can be ameliorated with sufficient incentive motivation. Additional analyses revealed clear age-related differences in motivational integration. Younger adult task performance was modulated by both monetary and liquid incentives, whereas monetary reward effects were more gradual in older adults and more strongly impacted by trial-by-trial performance feedback. A surprising discovery was that older adults shifted attention from liquid valence toward monetary reward throughout task performance, but younger adults shifted attention from monetary reward toward integrating both monetary reward and liquid valence by the end of the task, suggesting differential strategic utilization of incentives. Together these data suggest that older adults may have impairments in incentive integration, and employ different motivational strategies to improve cognitive task performance. The findings suggest potential candidate neural mechanisms that may serve as the locus of age-related change, providing targets for future cognitive neuroscience investigations.

Usability of a tablet computer designed for older adults: a qualitative approach based on an intra-hospital living-lab for healthcare (Preprint)

2020 ◽  
Author(s):  
Guillaume Sacco ◽  
Pauline Carliez ◽  
Frédéric Noublanche ◽  
Romain Simon ◽  
Anne Renaudin ◽  
...  
Keyword(s):  
Older Adults ◽  
Geriatric Patients ◽  
Healthcare Professionals ◽  
Cross Sectional Study ◽  
Satisfaction Score ◽  
Tablet Computer ◽  
Sectional Study ◽  
Cross Sectional ◽  
System Usability Scale ◽  
Perceived Usability

BACKGROUND Usability is the keystone in the evolution of tablet technology in healthcare. The Ardoiz® tablet has been designed with a simplified interface for older adults. OBJECTIVE To assess the perceived usability and satisfaction of the Ardoiz® tablet. METHODS We conducted a mixed methods with cross-sectional study using System Usability Scale (SUS), satisfaction score and workshops, including geriatric patients, healthcare professional and caregivers. RESULTS Between September 25, 2019 and March 11, 2020, 58 participants were included in a cross-sectional study (including 38 patients, mean ±SD 85±6 years, 66% women), 26 in workshops (including 5 patients, mean ±SD 86.4±2.9, 40% women). The SUS was 74±12/100, the satisfaction score was 2.8±0.9/4, with 59% of satisfied participants with the use of Ardoiz® pads. The intent to acquire remained low with 18% (n=6) of participants who would be interested in acquiring the tablet. This tablet computer seemed to be difficult to use by geriatric patients and healthcare professionals, mainly because of its complex homepage. Nevertheless, former caregivers and healthcare professionals thought that the tablet could be of great interest to hospitals for leisure and medical use. The main feedback in order to improve the tablet is to simplify the home page with fewer and more static icons (without switching). CONCLUSIONS Notwithstanding the usability of the tablet, the intent to acquire of Ardoiz® tablet remained low. The interface should be simplified for older adults in order to improve usability and adherence. CLINICALTRIAL NCT04091152

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