지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 학술저널
- 저자정보
- 발행연도
- 2021.10
- 수록면
- 283 - 299 (17page)
- DOI
- 10.5143/JESK.2021.40.5.283
이용수
초록· 키워드
오류제보하기
Objective: This study explores methods of enhancing inclusion in financial design to benefit the financially disadvantaged.
Background: Since the global financial crisis, ’Financial inclusion’ has emerged as economic and social inequality has required social responsibility of the financial industry. However, financial services for the poor are provided temporary. To overcome the limitations of these problems. This study has been implemented to financial service through inclusive design.
Method: Through a preliminary study on universal design and creating shared value (CSV), inclusive design (ID) is redefined into eight principles that encompasses social and economic values. Furthermore, 27 inclusive design for financially disadvantaged (IDF) items were derived from the ID principles through financial service case analysis and expert interviews. To investigate the relationship between the importance and perception of ID according to IDF, a survey was conducted with three financially disadvantaged groups and one general group (305 participants in total).
Results: ANOVA analysis, ’Safety’ was considered as the most important principle, whereas ’Value’ was considered as the least important. Although the mean values of the eight principles were similar between the groups, there were notable differences between the four groups regarding the importance of eight IDF items. Factor analysis, all groups assembled the eight ID principles into four concepts. Notably, all groups associated ’Inclusivity’ with ’Ease of Use’. However, there were differences between the groups in the concept perceived of the six principles.
Conclusion: Through this study, it was found that the ID principles had the potential to help realize financial inclusion. Further in-depth financial design studies will be required to take into consideration a wider variety of users and financial circumstances.
Application: Research regarding the inclusiveness of financial design aims to ensure the financially disadvantaged can access and use financial services without restrictions.
Background: Since the global financial crisis, ’Financial inclusion’ has emerged as economic and social inequality has required social responsibility of the financial industry. However, financial services for the poor are provided temporary. To overcome the limitations of these problems. This study has been implemented to financial service through inclusive design.
Method: Through a preliminary study on universal design and creating shared value (CSV), inclusive design (ID) is redefined into eight principles that encompasses social and economic values. Furthermore, 27 inclusive design for financially disadvantaged (IDF) items were derived from the ID principles through financial service case analysis and expert interviews. To investigate the relationship between the importance and perception of ID according to IDF, a survey was conducted with three financially disadvantaged groups and one general group (305 participants in total).
Results: ANOVA analysis, ’Safety’ was considered as the most important principle, whereas ’Value’ was considered as the least important. Although the mean values of the eight principles were similar between the groups, there were notable differences between the four groups regarding the importance of eight IDF items. Factor analysis, all groups assembled the eight ID principles into four concepts. Notably, all groups associated ’Inclusivity’ with ’Ease of Use’. However, there were differences between the groups in the concept perceived of the six principles.
Conclusion: Through this study, it was found that the ID principles had the potential to help realize financial inclusion. Further in-depth financial design studies will be required to take into consideration a wider variety of users and financial circumstances.
Application: Research regarding the inclusiveness of financial design aims to ensure the financially disadvantaged can access and use financial services without restrictions.
목차
1. Introduction
2. Materials and Methods Introduction
3. Results
4. Discussion
5. Conclusions and Limitations of the Study
References
참고문헌 (27)
참고문헌 신청
An, S. / 2018 / Impacts of Financial Innovations in an Open Economy and Implications of Blockchain Technology :18~21
Authority, F / 2017 / Understanding the financial lives of UK adults: Findings from the FCA's Financial Lives Survey 2017
Bateman, M. / 2012 / Let's not kid ourselves that financial inclusion will help the poor / The Guardian
Byeon, H.W. / 2019 / Trends and Implications for Overseas Financial Inclusion :10~18
Clarkson, P.J. / 2015 / History of Inclusive Design in the UK / Applied Ergonomics 46:235~247
Authority, F / 2017 / Understanding the financial lives of UK adults: Findings from the FCA's Financial Lives Survey 2017
Bateman, M. / 2012 / Let's not kid ourselves that financial inclusion will help the poor / The Guardian
Byeon, H.W. / 2019 / Trends and Implications for Overseas Financial Inclusion :10~18
Clarkson, P.J. / 2015 / History of Inclusive Design in the UK / Applied Ergonomics 46:235~247
함께 읽어보면 좋을 논문
논문 유사도에 따라 DBpia 가 추천하는 논문입니다. 함께 보면 좋을 연관 논문을 확인해보세요!
-
장애인을 포함한 정보소외계층 대상 디지털 금융 연구 동향: 접근성과 사용자 역량을 중심으로
디지털콘텐츠학회논문지
2024 .11
-
Analysis of the difference between teaching & learning satisfaction and achievement of students financially supported and not supported by university
한국정보전자통신기술학회 논문지
2018 .12
-
포용도시 계획요소 구축 및 활용에 관한 연구 : 부산광역시 부산진구를 대상으로
국토계획
2016 .11
-
Design Thinking
대한인간공학회 학술대회논문집
2016 .11
-
Economic Analysis of the Financial Literacy Effects in G20
Industrial Engineering & Management Systems
2020 .09
-
Machine Learning Models for Financial Inclusion in Malaysia: Opportunity for Insurance or Takaful in Achieving Financial Inclusion
제어로봇시스템학회 국제학술대회 논문집
2023 .10
-
소외계층 학생을 위한 온라인 교육 프로그램 개발
한국컴퓨터정보학회 학술발표논문집
2019 .07
-
소외계층 학생의 컴퓨팅 사고력 분석
한국컴퓨터정보학회 학술발표논문집
2022 .07
-
신규 혁신금융서비스 사용의도 연구
한국통신학회논문지
2022 .01
-
금융권 클라우드 전환 방법 모델 연구 : 정보계 시스템 대상
한국정보과학회 학술발표논문집
2022 .12
-
발달장애-비장애 통합환경을 위한 포용적 디자인 연구 - ‘바디자리 IV’ 작품분석을 중심으로 -
KIEAE Journal
2025 .02
-
Optimal Control of Financial Claim Review Process
대한산업공학회 춘계공동학술대회 논문집
2015 .04
-
Financial and Economic Risk Prevention and Countermeasures Based on Big Data and Internet of Things
JIPS(Journal of Information Processing Systems)
2024 .06
-
Toward the AI-enabled digital financial services innovation: The role of positive emotional interactions with users
한국지능정보시스템학회 학술대회논문집
2022 .06
-
PSD법을 이용한 유니버설 디자인에 관한 연구
산업경영시스템학회지
2015 .01
-
행동모델링 요인이 디지털 금융서비스 사용의도에 미치는 영향에 관한 연구 - 정보취약계층 대상 중심으로 -
디지털콘텐츠학회논문지
2019 .08
-
Automatic Compilation of A Topic-Based Financial Word List by Employing Latent Aspect Rating Analysis on Financial News
대한산업공학회 춘계공동학술대회 논문집
2017 .04
-
소외계층 영재학생을 위한 온라인 학습 멘토링 설계
한국컴퓨터정보학회 학술발표논문집
2020 .07
-
사용자중심 의료공간을 위한 서비스디자인 프로세스의 적용사례
의료·복지 건축(구 한국의료복지시설학회지)
2015 .01
-
Study on Design Research using Semantic Network Analysis
대한인간공학회지
2015 .12
이 논문의 저자 정보
최근 본 자료
댓글(0)
0
UCI(KEPA) : I410-ECN-0101-2021-530-002166413