谁的算法这么说：公司类型、信任和专业知识的看法以及金融机器人咨询的接受度之间的关系.pdf

1、Whose Algorithm Says So:The Relationships Between Type of Firm,Perceptions of Trust and Expertise,and the Acceptance of Financial Robo-AdviceCarlos J.S.Loureno1,3Benedict G.C.Dellaert2,3Bas Donkers2,31ISEG&SOCIUS/CSG,University of Lisbon2Erasmus University Rotterdam3NETSPARThis presentation was supp

2、orted by FCT,I.P.,the Portuguese national funding agency for science,research and technology,under the Project UIDB/04521/2020.The study was funded by NETSPARs grant to the Interactive pension communication and decision-making project.9th International Pension Research Association Conference12 June

3、2024,OECD,Parisrobo-advice and robo-advisors:a product-matching marketing perspective since early 2010s:widespread automated interactive financial advice,namely on retirement and pension planning by 2025 robots expected to manage$16 T(14.7 MM)assets(Deloitte 2016)average time on smartphones(in US)ap

4、prox.5 hours/day and increasing attractive for the industry digital/automated marketing allows lowering costs and thus coming up with a new complementary and cheaper sales channelCora private by insurer and pension provider Liverpool Victoria(UK)robot marketed as“much faster than a human advisor”pro

5、fit orientedInvestment Balance private by financial services provider Centraal Beheer(NL)similar to Achmeas and SBZsBlue Zone public or state-sponsored developed with the University of Minnesota School of Public Health(healthy-)life expectancy algorithm customized recommendations non-profit oriented

6、ESPlanner(now MaxiFi)public or state-sponsored developed by Boston University economics Prof.Laurence Kotlikoff“robo-optimizing”lifetime financial planning tool since 1999 non-profit oriented(initially)in theory,it shouldnt matter upon receiving the same input information personalized recommendation