Financial Literacy in China as an Innovation Opportunity

被引：1

作者：

Brejcha, Jan

Wang, Cong ^{[1
]}

Wang, Xiaotong ^{[1
]}

Wang, Ziwei ^{[1
]}

Wang, Li ^{[1
]}

Xu, Qing ^{[1
]}

Yang, Cheng ^{[1
]}

Chen, Liangyu ^{[1
]}

Luo, Yuxuan ^{[1
]}

Cheng, Yijian ^{[1
]}

Zhang, Shaopeng ^{[1
]}

Liang, Shuwen ^{[1
]}

Liu, Xinru ^{[1
]}

Miao, Huitian ^{[1
]}

Wang, Bingbing ^{[1
]}

Chen, Nilin ^{[1
]}

Liu, Zhengjie ^{[1
]}

机构：

[1] Dalian Maritime Univ, SEUC, Dalian 116026, Peoples R China

来源：

Design, User Experience, and Usability: Novel User Experiences, Pt II | 2016年 / 9747卷

关键词：

Cross-cultural research; Cultural markers; Design patterns; Design philosophy; Design thinking; DUXU in developing countries; Emotion; Financial competence; Financial inclusion; Financial literacy; Future trends in DUXU; HCI; Innovation; Methodology; Mobile products/services; Motivation; Persuasion design; Semiotics; Service design; Sustainability; User-interface;

D O I：

10.1007/978-3-319-40355-7_42

中图分类号：

TP3 [计算技术、计算机技术];

学科分类号：

0812 ;

摘要：

The purpose of the study was to get insights of the financial knowledge, behavior, and attitudes of the young generation of Chinese (Millenials or Little Emperors, i.e. born between 1980-1995), in order to find and exploit design opportunities to improve the financial wellbeing of our target group. Our paper presents an introduction to the research area, the current technological trends, the results of our initial study, and further directions both for research and design of solutions targeted at our tentative users. Our results suggest that there is a strong growth in smartphone adoption and a growing availability of mobile applications targeted at managing finances, and conducting payments. However, the young Chinese have a middle-to-low level of financial literacy, and mimic the conservative behavior of their parents and family, who prefer to hold cash (or gold) in favor of investment instruments. There is a number of design opportunities to leverage our insights to improve the financial health and wellbeing of our target user group presented in our work.

引用

页码：439 / 450

页数：12

共 50 条

[1] Executive financial literacy and firm innovation in China
Tian, Guangning
Zhou, Shuyuan
Hsu, Sara
[J]. PACIFIC-BASIN FINANCE JOURNAL, 2020, 62
[2] Financial literacy education: An opportunity for colleges and sociology
Bradley, Stephanie L.
[J]. SOCIOLOGY COMPASS, 2021, 15 (10):
[3] Financial Literacy: The Case of China
He, Yanna
Ahunov, Muzaffarjon
[J]. CHINA & WORLD ECONOMY, 2022, 30 (05) : 75 - 101
[4] Financial literacy and retirement preparation in China
Niu, Geng
Zhou, Yang
Gan, Hongwu
[J]. PACIFIC-BASIN FINANCE JOURNAL, 2020, 59
[5] Financial Literacy and Portfolio Diversity in China
Congmin Peng
Po-Wen She
Ming-Kun Lin
[J]. Journal of Family and Economic Issues, 2022, 43 : 452 - 465
[6] Financial Literacy and Portfolio Diversity in China
Peng, Congmin
She, Po-Wen
Lin, Ming-Kun
[J]. JOURNAL OF FAMILY AND ECONOMIC ISSUES, 2022, 43 (03) : 452 - 465
[7] Financial instruments innovation and the promotion of the financial competitiveness in China
Rong, XH
Yang, YQ
Ding, WB
[J]. ISMOT'04: PROCEEDINGS OF THE FOURTH INTERNATIONAL CONFERENCE ON MANAGEMENT OF INNOVATION AND TECHNOLOGY: MANAGING TOTAL INNOVATION IN THE 21ST CENTURY, 2004, : 143 - 147
[8] Rural Financial Repression and Financial System Innovation in China
Wang, Xiao-yun
[J]. EIGHTH WUHAN INTERNATIONAL CONFERENCE ON E-BUSINESS, VOLS I-III, 2009, : 1523 - 1530
[9] CHINA'S FINANCIAL INNOVATION AND DEVELOPMENT
Li, Jianjun
[J]. SOCIAL SCIENCES IN CHINA, 2024, 45 (01) : 106 - 110
[10] Provincial Marketization and Individual Financial Literacy in China
Xin, Ziqiang
Yang, Zhixu
[J]. JOURNAL OF NEUROSCIENCE PSYCHOLOGY AND ECONOMICS, 2023, 16 (02) : 60 - 79

← 1 2 3 4 5 →