The influence of dynamic page interaction and multimodal operation feedback on the user experience of central bank digital currency

Abstract

Central banks worldwide generally consider Central Bank Digital Currency (CBDC) the future direction of monetary development. However, the current research on CBDCs is more at the technical and economic level, with few studies conducted on the user experience (UX) of CBDCs. This work examines the impact of dynamic page interaction effects and multimodal operational feedback on the CBDC UX. This work is a 3 (dynamic page interaction) × 4 (multimodal operational feedback) mixed factorial design to evaluate the impact of the study variables on users' task performance and subjective evaluations. The experimental results show that dynamic page interactions and multimodal operational feedback influence the user task performance of a CBDC. Moreover, the CBDC interface with dynamic page interaction and multimodal operational feedback is rated higher regarding user usability. In addition, the tactile feedback may be related to the CBDC user recommendation index. Finally, although dynamic page interactions have higher user preferences than non-dynamic ones, they may bring users less of a sense of security. The above findings could provide theoretical support for national central banks preparing to issue CBDCs, and have positive implications for the future development of the CBDC UX.