人工智能态度和对使用机器人顾问的抵抗:探索投资者对认知金融系统的不情愿
Balraj Verma1, Mike Schulze2, Divya Goswami1
1Chitkara Business School, Chitkara University, Punjab, India.
Frontiers in artificial intelligence
|October 3, 2025
概括
印度的零售投资者由于各种障碍而抵制金融机器人顾问 (FRA),惯性是最强的因素. 对人工智能 (AI) 的积极态度可以减轻这种阻力,鼓励FRA采用.
科学领域:
- 金融科技公司
- 行为金融是行为金融.
- 创新的阻力理论
背景情况:
- 金融机器人顾问 (FRA) 在全球范围内越来越多地被采用,但在零售投资者中,特别是印度等新兴市场的零售投资者中,其接受度仍然令人担忧.
- 创新阻力理论 (IRT) 提供了一个框架,以了解阻碍新技术 (包括金融服务) 采用的因素.
研究的目的:
- 调查印度零售投资者对FRAs抵抗的障碍.
- 检查用户对人工智能 (AI) 的态度对抗FRAs的调节作用.
- 评估阻力对用户使用和推FRAs的意图的影响.
主要方法:
- 针对409名印度零售投资者进行了量化研究,采用了有目的的抽样.
- 使用结构方程建模 (SEM) 来分析收集的数据.
主要成果:
- 功能和心理障碍,不包括价值障碍,显著驱动对FRA的抵抗,惰性被确定为最有力的决定因素.
- 这种阻力对使用和推FRA的意图产生了负面影响.
- 发现对人工智能的态度显著削弱了惯性,过度自信偏见和数据隐私风险对抵抗的影响.
结论:
- 该研究验证并扩展了金融技术领域的创新阻力理论 (IRT),特别是在新兴市场.
- 了解和解决已识别的障碍,特别是惯性,对于提高FRA采用至关重要.
- 利用用户对人工智能的积极态度可以成为克服阻力和促进FRA使用的战略方法.
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