Improving GUI-Based Financial App Interfaces for the New Silver Generation : Centered on Usability Heuristics and Interface Components

This study aims to propose interface improvement strategies for financial applications tailored to the New Silver Generation, a group that tends to be relatively marginalized in digital environments. To achieve this, Jakob Nielsen’s 10 usability heuristics were used as the theoretical framework, and the GUI components of the Toss and KakaoBank apps were comparatively analyzed. The study involved 71 New Silver Generation users with experience using financial services via smartphones, and usability was assessed through a GUI-focused questionnaire. The analysis revealed that both apps scored relatively high in areas such as “accessibility of frequently used functions,” “clarity of information,” and “ease of undoing operations.” However, both apps received lower evaluations for “clarity of error resolution guidance” and “access to help information.” KakaoBank demonstrated strengths in visually simple and clear information structures, while Toss was noted for consistent menu layouts and fluid navigation flows. Additionally, 12 participants who gave relatively low scores in usability were selected for in-depth interviews. Based on the findings, this study proposes GUI design improvements suitable for the New Silver Generation, including visual repetition and grouping of information structures, high-contrast color schemes with readable typography, intuitive feedback systems, and emotionally supportive language use. This research provides practical standards for designing digital financial interfaces for older users and can serve as foundational data for developing inclusive financial services in the future.