Optimizing Banking Application Interfaces: A User-Centric Perspective on Consent Management in Digital Banking Environments

Abstract

This study examined the implementation of a consent management tool for digital banking users that is more transparent, accessible, and controllable than existing solutions. This goal was achieved by designing and testing a consent management tool and by examining the effects of different consent flows on users’ understanding and trust in decision-making. The study used a mixed-methods approach, including an initial quick exploratory survey, two rounds of usability testing, and semi-structured interviews. The prototype is structured into two levels. A category-based overview will allow users to view all the categories of their data usage at a higher level. Users can also view and adjust individual permissions via a detailed consent view. During the usability studies, participants interacted with the prototype, provided feedback on the wording and formatting of the text, and assessed their confidence in making consent-related decisions. The research results showed that lengthy, complex consent language impairs users' understanding. Conversely, concise, clear steps and explicit labels, along with the visibility of the consent state, improve users' perception of control and confidence when consenting. Research findings can inform practical recommendations for designing consent interfaces. Recommendations include gradual disclosure of content, consistent structures, and the implications of reversible consent decisions. Additionally, the study guides further development, including an AI-supported summarization tool. The summary feature will explain why users need consent for specific options and how their choices affect the security of their data. Ultimately, the main goal of this project is to establish and promote best practices for creating a Consent Management Solution that supports users' needs above those of regulatory compliance.