펀드투자자의 로보어드바이저(Robo-Advisor) 이용의도에 미치는 영향 요인 연구: 확장된 기술수용모델을 중심으로

Robo-Advisors are automatic asset investment services which have received much attention recently and interest in their use for internet-based services and big data is increasing around the world. In this study, we examined the degree of understanding and acceptance of Robo-Advisors and applied the transformed TAM (Technology Acceptance Model) to search for the factors that have an effect on fund-investors’ intention to use them. Given the lack of research in this domain, we analyze the features of the Robo- Advisor and extract the factors leading to fund-investors’ intention to use them. It was found that ‘risk preference’, which is a characteristic variable of the Robo-Advisor influences ‘convenience’ negatively. Secondly ‘understanding of fund information’ influences ‘convenience’ and ‘usefulness’ positively. Thirdly ‘trust’ influences ‘convenience’ and ‘usefulness’ positively. Fourthly, ‘convenience’ and ‘usefulness’ influence ‘intention to use’ positively. Then fund–investors who have a low ‘risk preference’, a high ‘understanding of fund information’ and high ‘trust’ are fascinated Robo-Advisor for various usability. Moreover, we want to enable all financial corporations and companies using Robo-Advisors to benefit from the implications of these results.