隨著Fintech3.0時代的到來，去中介化的P2P微型信貸模式已引起大眾的許多關注，面向學生族群的微型信貸平台亦應運而生。然而因為學生族群欠缺過往信用紀錄的特殊性，學生族群在申請信用貸款時需要揭露較多的個人資料以供第三方機構進行評估，而此限制往往使得申辦流程冗長拖沓。
在本研究中我們透過架設一實驗網站提供學生微型信貸申請服務，並在網站中植入網頁標籤、利用網站分析工具蒐集流程中不同階段之轉換率，再使用使用者深度訪談與可用性測試，發掘出網站中待改進的設計問題。在找到問題點後，我們基於頁面轉換率、頁面停留時間等量化指標，結合深度訪談與可用性測試時所得之質化資料對申請流程與界面設計加以優化，以祈提昇目標用戶的使用者體驗。以優化後與優化前兩次實驗相比，我們發現優化後的整體轉換率有著相當顯著的提昇。

一、中文部分
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