Information Technology Reference
In-Depth Information
Chapter 10
Case Studies of User Interface Design
on Internet Banking Websites and Mobile
Payment Applications in Thailand
Nagul Cooharojananone and Kanokwan Atchariyachanvanich
10.1
Introduction
In order to do payment transactions, customers conventionally have to go to a branch
or a counter service of a bank, and so are restricted by location and service opening
hours. However, this can be inconvenient for customers, for example due to traffic and
limited servicing hours compared to their other commitments (such as work ) in that
limited service time window, or recent relocation to an unknown area. Therefore,
many banks now increasingly use and offer web-based technologies to develop
website access so that transactions can be done through the website anywhere and
anytime. The concept of 24-h internet banking and equivalents has also been devel-
oped to cover mobile phones, since mobile phones are a large and continuously
growing market and are served by an increasing number of mobile application
developers, publishers and providers (Mobile applications
2008
). Thus, they have
become a business tool for companies to increase the opportunities to connect with
customers. Accordingly, mobile payment (m-payment) applications have been created
to assist in serving the customers since it is convenient for customers to use mobile
phones to purchase goods and services and to transfer payments or to pay invoices for
goods and services (
http://www.wirelessintelligence.com/mobile-money
).
In the case of university students, they are very busy with their studies and
activities, but they still require to perform banking transactions, such as paying
their registration fees, rent and bills. This is, however, analogous to other sectors of
the community (for example with work commitments) and so is likely to be of a
somewhat broader representation of the community. Therefore, for the general
