Extending the UXR Point of View Pyramid: A Generative AI-Augmented Methodology for Human-Centred AI Systems 文章

arXiv:2605.31143v1 Announce Type: cross Abstract: Rising household debt and cost-of-living pressures in the United Kingdom have intensified the role of AI-driven financial technologies in mediating credit assessment, repayment structuring, and debt support services. These systems increasingly shape consequential financial decisions, yet they operate within complex socio-technical environments characterised by regulatory constraint, algorithmic opacity, and heightened vulnerability risk. User Experience Research (UXR) Points of View (PoVs) are critical in translating heterogeneous research evidence into strategic direction for product and governance decisions. However, the existing UXR PoV framework was not designed for AI-mediated financial systems where interpretability, fairness, and accountability are central. This paper extends the UXR PoV pyramid into an AI-augmented methodological framework for Human-Centred AI debt management technologies in the UK financial services context.