摘要
本研究详细介绍了专为高等教育阶段的年轻成年人量身定制的基于Android系统的个人理财管理应用程序的设计、开发和评估过程。该应用程序针对经验有限和收入波动等独特的财务挑战,整合了收入追踪、支出监控、预算编制和财务目标设定等功能。 该应用采用瀑布模型开发,包含安全的登录系统、直观的交易管理、可自定义的目标、预算预测以及自动提醒功能,以培养用户的财务自律性。 针对50名用户采用5分制李克特量表进行的可用性评估显示,总体满意度评分为4.6/5,被评为“优秀”。用户称赞其直观的设计、精准的追踪功能以及激励性提醒,同时建议在未来更新中增加更多定制选项和更深入的财务分析功能。 本研究证明了针对性数字工具在提升财务素养和增强财务韧性方面的潜力,并提供了证据表明,个性化技术能够显著改善年轻成人的财务行为。未来的研究将探索增强的定制化功能和人工智能驱动的功能,以进一步优化该应用程序的影响力。
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参考
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