How Exposing the Financial App Switching Screen Is Affecting the User Experience of MZ Generation

With the widespread adoption of digital financial services, mobile banking has become an integral part of daily life. However, when account balances and transaction details displayed on financial app screens are exposed during use, they can lead to privacy breaches and secondary damages. While prior research on financial app security has primarily focused on technical threats and internal system vulnerabilities, issues related to screen exposure and user experience in everyday contexts have received relatively little attention. Therefore, this study attempted to analyze the effect of screen exposure on user experience in app switching situations while using financial apps for the MZ generation, which has a high mobile banking utilization rate and is sensitive to privacy issues. An analysis of major domestic financial apps was conducted, identifying two main types of screen transitions during app switching: exposed screen and simultaneous protection. In addition, Three representative conversion situations that may occur while using financial apps were derived as control variables, and user reliability, discomfort, and satisfaction were set as major dependent variables. Experimental results showed that the simultaneous protection type elicited higher levels of user trust, while the exposed screen type was associated with higher user satisfaction. Furthermore, user perceptions and evaluations varied significantly depending on the context of the app-switching scenario. This study provides empirical evidence for the importance of screen transition design in balancing security and user experience in financial apps. The findings are expected to inform future UI/UX design strategies for financial services with a context-aware approach to security.