Research on Influencing Factors of User's Intention to Use Personalised Generated Virtual Digital Human of Financial App Based on TAM

With aging of population, China faces great challenges and opportunities in financial senior care services. This study aims to address the urgent need for digital innovation in financial aged care services by exploring the user behavioural influencing factors of personalised generation of virtual digital persona. This study focuses on interaction design under user psychology, aiming to gain insights into the potential application and impact of this digital tool. Interviews and questionnaires based on the Technology Acceptance Model (TAM) are conducted to explore users' attitudes and behaviours towards personalised generated digital images. Through data analysis and model validation, factors such as Perceived Usefulness are explored in depth to explore their potential value for the application of digital image tools. The study finds that perceived usefulness has a significant positive effect on behavioural intentions, while perceived interest shows a weaker effect. Perceived ease of use also has a significant impact on users' perceived value and indirectly affects behavioural intentions. In addition, interactivity and visual appeal also have a significant effect on users' perceived value and behavioural intentions. Designers should focus on improving their perceived usefulness, perceived ease of use, interactivity and visual appeal for designing and improving personalised digital image generation tools.