政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/120236
English  |  正體中文  |  简体中文  |  Post-Print筆數 : 27 |  Items with full text/Total items : 113160/144130 (79%)
Visitors : 50754113      Online Users : 718
RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.
Scope Tips:
  • please add "double quotation mark" for query phrases to get precise results
  • please goto advance search for comprehansive author search
  • Adv. Search
    HomeLoginUploadHelpAboutAdminister Goto mobile version
    政大典藏 > College of Commerce > Department of MIS > Theses >  Item 140.119/120236
    Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/120236


    Title: 基於網站分析改善學生微型信貸服務之使用者體驗
    Improving the User Experience of Student Micro Loan Service through Web Analytics
    Authors: 徐祥華
    Hsu, Hsiang-Hua
    Contributors: 蔡瑞煌
    Tsaih, Rua-Huan
    徐祥華
    Hsu, Hsiang-Hua
    Keywords: 網站分析
    使用者體驗
    學生微型信貸
    Web analytics
    User experience
    Student Micro loan
    Date: 2018
    Issue Date: 2018-10-01 12:06:42 (UTC+8)
    Abstract: 隨著Fintech3.0時代的到來,去中介化的P2P微型信貸模式已引起大眾的許多關注,面向學生族群的微型信貸平台亦應運而生。然而因為學生族群欠缺過往信用紀錄的特殊性,學生族群在申請信用貸款時需要揭露較多的個人資料以供第三方機構進行評估,而此限制往往使得申辦流程冗長拖沓。
    在本研究中我們透過架設一實驗網站提供學生微型信貸申請服務,並在網站中植入網頁標籤、利用網站分析工具蒐集流程中不同階段之轉換率,再使用使用者深度訪談與可用性測試,發掘出網站中待改進的設計問題。在找到問題點後,我們基於頁面轉換率、頁面停留時間等量化指標,結合深度訪談與可用性測試時所得之質化資料對申請流程與界面設計加以優化,以祈提昇目標用戶的使用者體驗。以優化後與優化前兩次實驗相比,我們發現優化後的整體轉換率有著相當顯著的提昇。
    Reference: 吳永鴻,2014,個人對個人線上借貸平台之研究. 國立臺灣大學法律所碩士論文。
    李坤霖,2017,應用倒傳遞類神經網路於 P2P借貸投資報酬率預測之研究——以 Lending Club為例,國立政治大學資訊管理所碩士論文。
    陳明珠,2014,以網站工作紀錄分析政府網站使用行為--以中華民國財政部網站為 例. 世新大學資訊傳播所碩士論文。

    Albert, W., & Tullis, T. (2013). Measuring the user experience: collecting, analyzing, and presenting usability metrics: Newnes.
    Altman, E. I., & Saunders, A. (1997). Credit risk measurement: Developments over the last 20 years. Journal of banking & finance, 21(11-12), 1721-1742.
    Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int`l L., 47, 1271.
    Bansal, G., & Gefen, D. (2015). The role of privacy assurance mechanisms in building trust and the moderating role of privacy concern. European Journal of Information Systems, 24(6), 624-644.
    Breheny, R., Jung, E., & Zürrer, M. (2012). Responsive design–harnessing the power of media queries. Official Google Webmaster Central Blog.
    Brummer, C., & Gorfine, D. (2014). FinTech: building a 21st century regulator’s toolkit. Milken Institute, 5.
    Casalo, L. V., Flavián, C., & Guinalíu, M. (2007). The role of security, privacy, usability and reputation in the development of online banking. Online Information Review, 31(5), 583-603.
    Chen, D., & Han, C. (2012). A Comparative Study of online P2P Lending in the USA and China. Journal of Internet Banking and Commerce, 17(2), 1.
    Chen, D., Lai, F., & Lin, Z. (2014). A trust model for online peer-to-peer lending: a lender’s perspective. Information Technology and Management, 15(4), 239-254.
    Choy, S. P., & Li, X. (2006). Dealing with Debt: 1992-93 Bachelor`s Degree Recipients 10 Years Later. Postsecondary Education Descriptive Analysis Report. NCES 2006-156. National Center for Education Statistics.
    Christman, D. E. (2000). Multiple realities: Characteristics of loan defaulters at a two-year public institution. Community college review, 27(4), 16-32.
    Collier, B. C., & Hampshire, R. (2010). Sending mixed signals: Multilevel reputation effects in peer-to-peer lending markets. Paper presented at the Proceedings of the 2010 ACM conference on Computer supported cooperative work.
    Cull, R., Asli Demirgüç-Kunt, A., & Morduch, J. (2009). Microfinance meets the market. Journal of Economic perspectives, 23(1), 167-192.
    DIS, I. (2009). 9241-210: 2010. Ergonomics of human system interaction-Part 210: Human-centred design for interactive systems. International Standardization Organization (ISO). Switzerland.
    Dynarski, M. (1994). Who defaults on student loans? Findings from the national postsecondary student aid study. Economics of education review, 13(1), 55-68.
    Fagan, J. C. (2014). The suitability of web analytics key performance indicators in the academic library environment. The Journal of Academic Librarianship, 40(1), 25-34.
    Frerichs, A., & Schuhmann, M. (2008). Peer to peer banking–state of the art. Institut für Wirtschaftsinformatik der Georg-August-Universität Göttingen, Arbeitsbericht, 2, 2008.
    Gabor, D., & Brooks, S. (2017). The digital revolution in financial inclusion: international development in the fintech era. New Political Economy, 22(4), 423-436.
    Goto, K., & Cotler, E. (2004). Web redesign 2.0: Workflow that works: New Riders.
    Greiner, M. E., & Wang, H. (2010). Building consumer-to-consumer trust in e-finance marketplaces: An empirical analysis. International Journal of Electronic Commerce, 15(2), 105-136.
    Harrast, S. A. (2004). Undergraduate borrowing: A study of debtor students and their ability to retire undergraduate loans. Journal of Student Financial Aid, 34(1), 2.
    Hasan, L., Morris, A., & Probets, S. (2009). Using Google Analytics to evaluate the usability of e-commerce sites. Paper presented at the International Conference on Human Centered Design.
    Herrero-Lopez, S. (2009). Social interactions in P2P lending. Paper presented at the Proceedings of the 3rd Workshop on Social Network Mining and Analysis.
    Iyer, R., Khwaja, A. I., Luttmer, E. F., & Shue, K. (2009). Screening in new credit markets: Can individual lenders infer borrower creditworthiness in peer-to-peer lending?
    Knapp, L. G., & Seaks, T. G. (1992). An analysis of the probability of default on federally guranteed student loans. The review of economics and statistics, 404-411.
    Kolko, J. (2014). Well-designed: How to use empathy to create products people love: Harvard Business Press.
    Krumme, K. A., & Herrero, S. (2009). Lending behavior and community structure in an online peer-to-peer economic network. Paper presented at the Computational Science and Engineering, 2009. CSE`09. International Conference on.
    Kuniavsky, M. (2010). Smart things: ubiquitous computing user experience design: Elsevier.
    Lin, M. (2009). Peer-to-peer lending: An empirical study. AMCIS 2009 Doctoral Consortium, 17.
    Lin, M., Prabhala, N., & Viswanathan, S. (2009). Social networks as signaling mechanisms: Evidence from online peer-to-peer lending. WISE 2009.
    Lin, M., Prabhala, N. R., & Viswanathan, S. (2013). Judging borrowers by the company they keep: Friendship networks and information asymmetry in online peer-to-peer lending. Management Science, 59(1), 17-35.
    Malacinski, A., Dominick, S., & Hartrick, T. (2001). Measuring web traffic. IBM developers’ network, retrieved January, 15, 2009.
    Marcotte, E. (2017). Responsive web design: A book apart n° 4: Editions Eyrolles.
    McDowell, W. C., Wilson, R. C., & Kile Jr, C. O. (2016). An examination of retail website design and conversion rate. Journal of Business Research, 69(11), 4837-4842.
    Nielsen, J. (1999). Designing web usability: The practice of simplicity: New Riders Publishing.
    Nielsen, J. (2000). Why You Only Need to Test with 5 Users. Retrieved from https://www.nngroup.com/articles/why-you-only-need-to-test-with-5-users/
    Nielsen, J., & Landauer, T. K. (1993). A mathematical model of the finding of usability problems. Paper presented at the Proceedings of the INTERACT `93 and CHI `93 Conference on Human Factors in Computing Systems, Amsterdam, The Netherlands.
    Peterson, E. T. (2004). Web analytics demystified: a marketer`s guide to understanding how your web site affects your business: Ingram.
    Podgursky, M., Ehlert, M., Monroe, R., & Watson, D. (2002). Student loan defaults and enrollment persistence. Journal of Student Financial Aid, 32(3), 3.
    Schrepp, M., Hinderks, A., & Thomaschewski, J. (2014). Applying the user experience questionnaire (UEQ) in different evaluation scenarios. Paper presented at the International Conference of Design, User Experience, and Usability.
    Steiner, M., & Teszler, N. (2005). Multivariate Analysis of Student Loan Defaulters at Texas A&M University. TG (Texas Guaranteed Student Loan Corporation).
    Volkwein, J. F., & Szelest, B. P. (1995). Individual and campus characteristics associated with student loan default. Research in Higher Education, 36(1), 41-72.
    Volkwein, J. F., Szelest, B. P., Cabrera, A. F., & Napierski-Prancl, M. R. (1998). Factors associated with student loan default among different racial and ethnic groups. The Journal of Higher Education, 69(2), 206-237.
    Waisberg, D., & Kaushik, A. (2009). Web Analytics 2.0: empowering customer centricity. The original Search Engine Marketing Journal, 2(1), 5-11.
    Wilms, W. W., Moore, R. W., & Bolus, R. E. (1987). Whose fault is default? A study of the impact of student characteristics and institutional practices on guaranteed student loan default rates in California. Educational Evaluation and Policy Analysis, 9(1), 41-54.
    Woo, J. H. (2002). Factors affecting the probability of default: Student loans in California. Journal of Student Financial Aid, 32(2), 1.
    Woo, J. M. H. (2002). Clearing accounts: The causes of student loan default: EdFund.
    Description: 碩士
    國立政治大學
    資訊管理學系
    105356024
    Source URI: http://thesis.lib.nccu.edu.tw/record/#G0105356024
    Data Type: thesis
    DOI: 10.6814/THE.NCCU.MIS.027.2018.A05
    Appears in Collections:[Department of MIS] Theses

    Files in This Item:

    File SizeFormat
    602401.pdf3188KbAdobe PDF2234View/Open


    All items in 政大典藏 are protected by copyright, with all rights reserved.


    社群 sharing

    著作權政策宣告 Copyright Announcement
    1.本網站之數位內容為國立政治大學所收錄之機構典藏,無償提供學術研究與公眾教育等公益性使用,惟仍請適度,合理使用本網站之內容,以尊重著作權人之權益。商業上之利用,則請先取得著作權人之授權。
    The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

    2.本網站之製作,已盡力防止侵害著作權人之權益,如仍發現本網站之數位內容有侵害著作權人權益情事者,請權利人通知本網站維護人員(nccur@nccu.edu.tw),維護人員將立即採取移除該數位著作等補救措施。
    NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
    DSpace Software Copyright © 2002-2004  MIT &  Hewlett-Packard  /   Enhanced by   NTU Library IR team Copyright ©   - Feedback