表12显示了用户对财富管理系统中电子商务策略个性化方面的看法。每个指标

Table 12 shows users’ views on the personalization aspects of e-commerce strategies in wealth management systems. Each metric is evaluated based on a weighted average (WM), which is the average rating of users and classified by visual importance (VI) rating and relative ranking (Rank). <br>Here is an analysis of each metric in Table 12: <br>The weighted average of personalized recommendations is 2.79, which is tied with the lowest ranking of 4.5. This score is in the "agree" range, indicating general agreement that the site provides personalized recommendations, although it is not among the highest-rated features. Badottra and Sunda's two-factor theory emphasizes the role of motivational factors in improving personal satisfaction (2021). Personalized suggestions can be used as a motivating factor to improve users' satisfaction with services by satisfying their sense of accomplishment and recognition. According to the marketing theory of Bezbulaka Belozorov and Helfert (2019), meeting consumer needs is the core of marketing. Personalized suggestions can better meet the unique needs of users and provide more accurate services. <br>Tailored content and resources (the content and resources on our wealth management system website are tailored to my specific needs and interests) had a weighted average of 2.83, ranking third. This score is also in the "Agree" range, indicating that users recognize and value the customized content and resources provided to them. According to Purnomo's (2023) hierarchy of needs theory, personalized services can satisfy users' high-level needs, such as esteem needs and self-actualization needs. Personalized content is also consistent with Roaring's expectancy theory, which believes that individual behavior is determined by three variables: expectancy, instrumentality, and value. Personalized content provides high-value information and increases users' motivation to take action. <br>Personalized notifications and updates (I appreciate the use of personalized notifications and updates from our wealth management system website) had the highest weighted average of 2.93, ranking first among all metrics. This score is in the "agree" range, indicating a strong appreciation for the site's personalized communications. Deepak and Kasarani's (2019) innovation diffusion theory points out that individuals' adoption of new technologies is affected by their relative advantages. As a new technology, personalized notifications will be more easily accepted by users if they can provide obvious advantages (such as timeliness and relevance). (2021)'s behavioral model (FBM) also mentioned that the three elements for behavior occurrence are motivation, ability and trigger. Personalized notifications can serve as triggers to prompt users to take action. <br>Remembering preferences and settings (our wealth management system website remembers my preferences and settings for a personalized user experience) also had a weighted average of 2.79, tied with 4.5 for the lowest. While still within the "consent" range, this suggests there may be room for improvement in how websites retain and use user preferences to enhance the user experience. According to the loyalty economics theory of Fecot Farkash Victor and Lackner (2019), by remembering user preferences and providing personalized experiences, user loyalty and retention rates can be increased with the help of MT Ballestar (2021) Nudge theory (nudge theory) emphasizes the importance of designing choice structures to influence people's decisions. Personalization can "nudge" users to make decisions that are more in line with their preferences and goals. <br>Enhanced Satisfaction and Engagement (Using personalization on our wealth management system website has increased my overall satisfaction and engagement) has a weighted average of 2.89, ranking it second. The score is in the "Agree" range, indicating that personalization greatly improves user satisfaction and engagement. According to the satisfaction theory of Desai (2022), satisfaction is an evaluation process of user experience, and personalized services can improve the positive evaluation of user experience, thereby improving satisfaction 106. Murdiana and Hajau ( 2020)’s self-determination theory emphasizes the role of autonomy in increasing engagement. Personalized services can provide more autonomy and allow users to feel that their special needs and preferences are respected and met. <br>The combined average of all indicators is 2.85, which is within the "agree" range, indicating that on average, users agree that the personalization features of wealth management system websites are effective. The scores were relatively close, falling within the "agree" range, indicating the degree of agreement across different aspects of personalization. There are no indicators in the "disagree" or lower range, meaning users generally view personalization strategies positively. Through these theories and research results, we can see the importance of personalized services in improving user satisfaction, loyalty, and participation, and they provide a theoretical basis for the above measurement standards. By providing personalized suggestions, content, notifications and user experience, the wealth management system website can better meet the personalized needs of users, thereby improving the overall service quality and user satisfaction.

Table 12 shows the user's views on the personalization of e-commerce strategies in wealth management systems. Each indicator is evaluated based on a weighted average (WM), which is the average rating of the user and is classified by visual importance (VI) rating and relative ranking (Rank).<br>The following is an analysis of each indicator in Table 12:<br>The weighted average of personalized recommendations is 2.79, tied with the lowest ranking of 4.5. This score falls within the "agree" range, indicating that people generally agree that the website provides personalized recommendations, although it does not belong to the highest rated feature. The two factor theory of Badotra and Sunda emphasizes the role of motivational factors in improving individual satisfaction (2021). Personalized suggestions can serve as a motivating factor to improve user satisfaction with services by satisfying their sense of achievement and recognition. According to the marketing theories of Bezbraka Belozolov and Haier (2019), meeting consumer needs is the core of marketing. Personalized suggestions can better meet the unique needs of users and provide more accurate services.<br>The weighted average of customized content and resources (the content and resources on our wealth management system website are tailored to my specific needs and interests) is 2.83, ranking third. This score is also within the "agree" range, indicating that users recognize and value the customized content and resources provided to them. According to Purnomo's (2023) hierarchy of needs theory, personalized services can meet users' high-level needs, such as respect and self actualization needs. Personalized content also conforms to the roaring expectation theory, which holds that an individual's behavior is determined by three variables: expectation, instrumentality, and value. Personalized content provides high-value information and increases users' motivation to take action.<br>The weighted average of personalized notifications and updates (which I really appreciate using from our wealth management system website) is the highest, at 2.93, ranking first among all indicators. This score falls within the 'agree' range, indicating a great appreciation for the personalized communication on the website. The innovation diffusion theory of Dipak and Kassalani (2019) suggests that individuals' adoption of new technologies is influenced by their relative advantages. Personalized notifications, as a new technology, will be more easily accepted by users if they can provide significant advantages such as timeliness and relevance. The Behavior Model (FBM) of et al. (2021) also mentions that the three elements of behavior occurrence are motivation, ability, and triggering. Personalized notifications can serve as triggering factors to encourage users to take action.<br>The weighted average of remembering preferences and settings (our wealth management system website will remember my preferences and settings for personalized user experience) is also 2.79, which is the lowest on par with 4.5. Although still within the scope of 'agreement', this indicates that there may be room for improvement in how the website preserves and uses user preferences to enhance the user experience. According to the loyalty economics theory of Fickett Fakash Victor and Laknar (2019), by memorizing user preferences and providing personalized experiences, user loyalty and retention rates can be increased through MT Balles

Table 12 shows users' views on the personalization of e-commerce strategies in the wealth management system. Each indicator is evaluated based on the weighted average (WM), which is the average rating of users and classified by visual importance (VI) rating and relative ranking (Rank).<br> The following is an analysis of each indicator in Table 12:<br> The weighted average of personalized recommendation is 2.79, which is tied with the lowest ranking of 4.5. This score is in the range of "Agree", which indicates that people generally agree that the website provides personalized recommendation, although it is not the function with the highest score. Badotra and Sunda's two-factor theory emphasized the role of incentive factors in improving personal satisfaction (2021). Personalized suggestions can be used as an incentive factor to improve users' satisfaction with services by satisfying their sense of accomplishment and recognition. According to the marketing theory of Bates Blacas Belozorov and Helfurt (2019), meeting the needs of consumers is the core of marketing. Personalized suggestions can better meet the unique needs of users and provide more accurate services.<br> Tailored content and resources (the content and resources on our wealth management system website are tailored according to my specific needs and interests) rank third with a weighted average of 2.83. This score is also within the "agree" range, indicating that users recognize and value the customized content and resources provided to them. According to Poernomo's hierarchy of needs theory (2023), personalized service can meet users' high-level needs, such as respecting needs and self-realization needs. Personalized content also conforms to the roaring expectation theory, which holds that individual behavior is determined by three variables: expectation, instrumentality and value. Personalized content provides high-value information and increases users' motivation to take action.<br> Personalized notifications and updates (I appreciate using personalized notifications and updates from our wealth management system website) have the highest weighted average of 2.93, ranking first among all indicators. This score is in the range of "agree", which shows that I appreciate the personalized communication of the website very much. The innovation diffusion theory of deepak and Ka Salani (2019) points out that individuals' adoption of new technologies is influenced by their comparative advantages. As a new technology, personalized notification will be more easily accepted by users if it can provide obvious advantages (such as timeliness and relevance). The behavior model (FBM) of et al. (2021) also mentioned that the three elements of behavior are motivation, ability and trigger. Personalized notification can be used as a trigger to promote users to take action.<br> Remember preferences and settings (our wealth management system website will remember my preferences and settings to get a personalized user experience), and the weighted average is also 2.79, which is tied for the lowest with 4.5. Although it is still within the scope of "agreement", it shows that there may be room for improvement in how the website retains and uses user preferences to enhance the user experience. According to the loyalty economics theory of Fekete Facas Victor and Lackner (2019), by memorizing users' preferences and providing personalized experience, users' loyalty and retention rate can be increased. The boosting theory (nudging theory) of MT Ballestar(2021) emphasizes the importance of designing a selection framework to influence people's decision-making. Personalization can "boost" users to make decisions that are more in line with their preferences and goals.<br> The weighted average of enhanced satisfaction and participation (using personalization on our wealth management system website has improved my overall satisfaction and participation) is 2.89, ranking second. The score is in the "agree" range, which indicates that the personalized function greatly improves the user satisfaction and participation. According to Desai's satisfaction theory (2022), satisfaction is an evaluation process of user experience, and personalized service can improve the positive evaluation of user experience, thus improving satisfaction. The self-determination theory of Moore diana Island and Hajjau (2020) emphasizes the role of autonomy in improving participation. Personalized service can provide more autonomy and make users feel that their special needs and preferences are respected and satisfied.<br> The comprehensive average of all indicators is 2.85, which is within the scope of "agreement", indicating that on average, users agree that the personalized function of the wealth management system website is effective. The scores are relatively close and all fall within the scope of "agreement", which shows the consistency of different aspects of personalization. There is no indicator in the range of "disagree" or lower, which means that users usually look at personalized strategies positively. Through these theories and research results, we can see the importance of personalized service in improving user satisfaction, loyalty and participation, which provide a theoretical basis for the above measurement standards. Wealth management system website can better meet the personalized needs of users by providing personalized suggestions, contents, notices and user experience, thus improving the overall service quality and user satisfaction.