{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,3]],"date-time":"2026-04-03T19:52:39Z","timestamp":1775245959157,"version":"3.50.1"},"reference-count":70,"publisher":"Emerald","issue":"7","license":[{"start":{"date-parts":[[2019,8,12]],"date-time":"2019-08-12T00:00:00Z","timestamp":1565568000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["IMDS"],"published-print":{"date-parts":[[2019,8,12]]},"abstract":"<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title>\n<jats:p>Considering the increasing impact of Artificial Intelligence (AI) on financial technology (FinTech), the purpose of this paper is to propose a research framework to better understand robo-advisor adoption by a wide range of potential customers. It also predicts that personal and sociodemographic variables (familiarity with robots, age, gender and country) moderate the main relationships.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title>\n<jats:p>Data from a web survey of 765 North American, British and Portuguese potential users of robo-advisor services confirm the validity of the measurement scales and provide the input for structural equation modeling and multisample analyses of the hypotheses.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Findings<\/jats:title>\n<jats:p>Consumers\u2019 attitudes toward robo-advisors, together with mass media and interpersonal subjective norms, are found to be the key determinants of adoption. The influences of perceived usefulness and attitude are slightly higher for users with a higher level of familiarity with robots; in turn, subjective norms are significantly more relevant for users with a lower familiarity and for customers from Anglo-Saxon countries.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Practical implications<\/jats:title>\n<jats:p>Banks and other firms in the finance industry should design robo-advisors to be used by a wide spectrum of consumers. Marketing tactics applied should consider the customer\u2019s level of familiarity with robots.<\/jats:p>\n<\/jats:sec>\n<jats:sec>\n<jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title>\n<jats:p>This research identifies the key drivers of robo-advisor adoption and the moderating effect of personal and sociodemographic variables. It contributes to understanding consumers\u2019 perceptions regarding the introduction of AI in FinTech.<\/jats:p>\n<\/jats:sec>","DOI":"10.1108\/imds-08-2018-0368","type":"journal-article","created":{"date-parts":[[2019,6,7]],"date-time":"2019-06-07T09:30:19Z","timestamp":1559899819000},"page":"1411-1430","source":"Crossref","is-referenced-by-count":615,"title":["Artificial Intelligence in FinTech: understanding robo-advisors adoption among customers"],"prefix":"10.1108","volume":"119","author":[{"given":"Daniel","family":"Belanche","sequence":"first","affiliation":[]},{"given":"Luis V.","family":"Casal\u00f3","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0001-7118-9013","authenticated-orcid":false,"given":"Carlos","family":"Flavi\u00e1n","sequence":"additional","affiliation":[]}],"member":"140","reference":[{"key":"key2019091812092884500_ref001","doi-asserted-by":"crossref","unstructured":"Acemoglu, D. and Restrepo, P. 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