通过机器人顾问,个性化和感知信任来实现ESG整合的金融技术采用
Aizhen Chen1, Shaosong Wang2, Ahmad Muneeb Mehta3
1Business School, Zhuhai College of Science and Technology, Zhuhai, 519000, Guangdong, China.
Scientific reports
|August 24, 2025
概括
当ESG投资组合个性化时, 投资者更有可能使用机器人顾问进行绿色投资. 感知到的有用性和易用性是采用这些金融技术 (FinTech) 解决方案的关键动力.
科学领域:
- 财政问题
- 可持续投资
- 行为经济学
背景情况:
- 中国的数字金融环境正在迅速发展,对可持续投资的兴趣日益增加.
- 机器人顾问正成为管理投资的关键金融科技工具,
- 了解投资者为绿色投资采用机器人顾问对于可持续金融增长至关重要.
研究的目的:
- 调查影响投资者采用机器人投资的行为意图的因素.
- 检查机器人顾问的使用,ESG意识,个性化,感知到的有用性,感知到的易用性和感知到的信任.
- 确定对绿色金融技术解决方案的采用意向的感知信任的抑制作用.
主要方法:
- 调查数据来自中国的393名投资者.
- 使用SmartPLS-4进行部分最小方程结构方程 (PLS-SEM) 分析.
- 对绿色投资采用机器人顾问的行为意图产生直接和缓解影响的评估.
主要成果:
- 机器人顾问的使用和ESG意识对感知到的实用性和易用性有积极的影响,但不是直接的意图.
- 对ESG投资组合的个性化显著提高了人们对其的有用性,易用性和行为意图.
- 感知到的信任可以调节ESG投资组合个性化与意图之间的联系,但不能调节其他关键关系.
结论:
- 个性化和感知效用对于推动投资者采用绿色金融技术解决方案至关重要.
- 增强以用户为中心的设计和对数字平台的信任对于推动可持续金融至关重要.
- 通过金融技术促进绿色投资的金融机构和政策制定者可以从这些发现中获得实用见解.
更多相关视频
06:18The Collective Trust Game: An Online Group Adaptation of the Trust Game Based on the HoneyComb Paradigm
Published on: October 20, 2022
2.2K
07:31Implementation of a Real-Time Psychosis Risk Detection and Alerting System Based on Electronic Health Records using CogStack
Published on: May 15, 2020
7.2K
相关概念视频
Issues And Trends In Healthcare Delivery System
5.8K
The issues and trends in healthcare delivery are constantly changing. The COVID-19 pandemic is one recent issue that wreaked havoc on healthcare systems, causing a shortage of healthcare workers, high demand for medicines and supplies, and increased medical expenditure due to a lack of insurance. Other issues include rising healthcare costs and care fragmentation.
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
Cost Containment
Payment for healthcare services has historically promoted adoption of costly and often unnecessary or inefficient...
5.8K
Current Trends in Nursing II
1.4K
Trends in nursing are multifactorial and associated with changes in society, within the nursing profession, and in other professions. Notably, telehealth and remote nursing contribute to successful healthcare delivery for numerous patients and help reduce stress for nurses due to nursing shortages. Nurses can reach patients, monitor their conditions, and interact with them using computers, audio, visual accessories, and telephones—for example, remote patient monitoring systems. Likewise,...
1.4K
Embryonic Stem Cells
3.7K
Embryonic stem (ES) cells were first discovered in mice in 1981 by Martin Evans. In 1998, James Thomson identified a method to isolate embryonic stem cells from humans. Human embryonic stem cells (hESCs) are obtained from 3-5 day old embryos that remain unused after an in vitro fertilization procedure.
ES cells are grown in a culture medium where they can divide indefinitely, creating ES cell lines. Under certain conditions, ES cells can differentiate, either spontaneously into a variety of...
ES cells are grown in a culture medium where they can divide indefinitely, creating ES cell lines. Under certain conditions, ES cells can differentiate, either spontaneously into a variety of...
3.7K
Actuarial Approach
133
The actuarial approach, a statistical method originally developed for life insurance risk assessment, is widely used to calculate survival rates in clinical and population studies. This method accounts for participants lost to follow-up or those who die from causes unrelated to the study, ensuring a more accurate representation of survival probabilities.
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
Consider the example of a high-risk surgical procedure with significant early-stage mortality. A two-year clinical study is conducted,...
133
Stereotype Content Model
14.9K
The Stereotype Content Model (SCM) was first proposed by Susan Fiske and her colleagues (Fiske, Cuddy, Glick & Xu, 2002; see also Fiske, 2012 and Fiske, 2017). The SCM specifies that when someone encounters a new group, they will stereotype them based on two metrics: warmth—or that group’s perceived intent, and how likely they are to provide help or inflict harm—and competence—or their ability to carry out that objective. Depending on the warmth-competence...
14.9K
