IMPACT OF AI IN BANKING: ROBO-ADVICE FOR FINANCIAL MANAGEMENT

One of the major developments in the fields of investing and personal finance management is the emergence of robo-advisors. This technology aims to assist people in making more effective and efficient financial decisions by providing algorithm-based solutions that offer individualized investment advice. Despite their reputation as tech-savvy, the millennial generation appears to be reluctant to use robo-advisory services. Given the enormous potential of the millennial market, this phenomenon presents a challenge for businesses offering these services. It is crucial to comprehend the different elements that affect the acceptance of this technology in order to boost the rate of robo-advisory adoption in personal financial management. This study emphasizes a number of important factors, including perceived ease of use, financial literacy, and degree of technology trust. The study's findings indicate that a person's decision to use robo-advisory services is significantly influenced by their level of financial literacy. Higher financial literacy tends to make people more willing to use robo-advisors because it makes it easier for them to evaluate the advantages they provide. The adoption of this technology is also significantly influenced by opinions about how simple it is to use. Users are more likely to attempt using the service for financial management if they find it to be user-friendly and intuitive. Another important consideration is the degree of trust that people have in the technology, particularly in the financial sector where privacy and data security are top priorities. Users must have faith that their personal information is secure and that the robo-advisor's recommendations are trustworthy and in line with their financial objectives. In general, robo-advisory service providers should concentrate on financial education initiatives, creating more user-friendly interfaces, and fostering trust through greater transparency and data security in order to promote broader adoption among millennials. Robo-advisors' potential as a tool for financial management can be maximized with the correct approach, giving users more advantages.

投资与个人财务管理领域的重大发展之一，便是智能投顾（robo-advisor）的兴起。该技术旨在通过提供基于算法的个性化投资建议解决方案，助力用户做出更高效、精准的财务决策。尽管千禧一代素有精通科技的口碑，但他们似乎不愿使用智能投顾服务。鉴于千禧一代市场蕴藏巨大潜力，这一现象为相关服务提供商带来了挑战。若要提升个人财务管理场景下智能投顾的用户采用率，厘清影响该技术接受度的各类因素至关重要。本研究重点探讨了三大核心影响因素：感知易用性（perceived ease of use）、金融素养（financial literacy）以及技术信任度（technology trust）。研究结果显示，用户的智能投顾服务使用决策显著受其金融素养水平的影响：金融素养越高的用户，越愿意使用智能投顾，因为这能帮助他们更轻松地评估该服务所能带来的优势。该技术的采用率同时显著受感知易用性的影响，若用户认为智能投顾界面友好、操作直观，则更愿意尝试将其用于个人财务管理。另一核心考量因素为用户对技术的信任程度，尤其在金融领域，隐私与数据安全向来是重中之重。用户需确信其个人信息安全无虞，且智能投顾的建议可靠可信，同时契合自身财务目标。总体而言，智能投顾服务提供商应聚焦三大方向以提升千禧一代的采用率：开展金融教育活动、打造更友好的用户界面，以及通过提升透明度与数据安全水平来增强用户信任。若采用恰当策略，智能投顾作为财务管理工具的潜力将得到充分释放，为用户带来更多切实优势。