[短評] 新的金融世界將是靈活、直覺，且無形的

[Commentary] The New Era of Money is Slick, Intuitive, and Totally Intangible

說到「UX in Banking」你會想到什麼？

自從學了 Google UX Design 的課程，我就對生活中大大小小的 UX Design 使用者體驗設計細節特別注意，難得看到一篇關於金融業 Graphic Design 平面設計的文章，決定分享一點心得。

原文

The New Era of Money is Slick, Intuitive, and Totally Intangible (撰文者為 Rachel del Valle)

全文大意是在分享金融業對 Graphic Design (UX Design 一環) 態度的轉變：因爲 Fintech 金融科技業者的崛起 (以投資平台 Robinhood 為例)，讓老字號的傳統金融業者如 Goldman Sachs (高盛) 也開始重視設計的重要，並開始應用在他們新推出的 app 上。

短評

“…There’s a reason why classic bank architecture is all in the classical style, like Greek columns and all that nonsense.” These symbols of “security and stability” — columns, vaults, marble — “helped people feel comfortable giving their money over to this institution and going to that institution for other financial needs….”

上面這段文章節錄說明了設計在銀行業尤其重要，銀行借用了希臘式圓柱設計的概念，從能讓民眾覺得「安全、穩定」的方向去做整體的設計規劃，進而讓他們願意將重要的錢財託予銀行保管。

UX (User Experience) 使用者體驗在現代非常受到重視，連 Google 都在 2021 年開始以 UX 的優劣為網頁排名；而 「mobile-first (行動優先)」更是多年來一直被呼籲的設計重點，不管你身處在哪個產業，接下來都不能忽視這場以使用者體驗大旗掀起的炫風。

傳統金融業者在和那些 Fintech 的後起之秀相比時，的確容易在 UX 領域處於下風，畢竟前者的平台往往受限於諸多老舊系統，而法規的種種規範又讓他們綁手綁腳。

然而，從 Goldman Sachs 的例子我們知道傳統金融業者開始動起來了；我相信在 CVP (客戶價值主張) 裡面納入更多使用者體驗的元素會是個很好的開始，可以期待有很棒的火花產生，或許有一天還可以看到他們推出完全遊戲化的驚豔設計！

English Commentary

Love this article about Graphic Design in the financial industry, probably because the Google UX Design course I took earlier had opened a new window for me, now I tend to pay more attention to those small UX details.

User experience is more valued nowadays and mobile-first becomes a notion that industry players can not ignore.

It’s understandable that incumbents' apps may find it hard to compete with those young FinTech challengers, as the former ones usually have legacy systems and more regulatory concerns.

Still, it’s glad to see traditional banks are finally moving. I believe incorporating UX design elements in their CVP (Customer Value Proposition) will be a good start, there may be some amazing sparkle. And maybe one day we can see a fully-gamified design from one of them!

希望你喜歡我的第 2 篇新聞短評，如果你也對 Banking 有興趣，或對這篇新聞有什麼想法，歡迎在底下留言跟我分享。我的其他各式心得會放在這裡。

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