The official definition of the concept of user experience is: a purely subjective feeling established by users during the use of a product. In the vernacular a good user experience is one that makes users comfortable and smooth to use. User experience exists in the entire process of a product. When users use the product all interaction points between the product and the user are related to user experience.
Since it is a purely subjective experience user experience is not just functional interface FR Numbers and visual satisfaction but more abstract user satisfaction in terms of emotions preferences cognition achievements etc. Digital technology allows us to further understand and analyze users thereby achieving higher customer satisfaction thereby increasing user stickiness and conversion. User experience refers to all interactions between users and banks and brands not just at a certain point in time but throughout the entire cycle of being a user of the bank.
User experience therefore encompasses all channels and interactions products and services information and content. Each bank has its own website app and mini-program. It can be said that the financial industry has been forced to enter the era of omni-channel. But there are fundamental problems with this product- and channel-centric view of banking.