{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,5,17]],"date-time":"2026-05-17T02:07:48Z","timestamp":1778983668643,"version":"3.51.4"},"publisher-location":"New York, NY, USA","reference-count":34,"publisher":"ACM","license":[{"start":{"date-parts":[[2022,4,27]],"date-time":"2022-04-27T00:00:00Z","timestamp":1651017600000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.acm.org\/publications\/policies\/copyright_policy#Background"}],"content-domain":{"domain":["dl.acm.org"],"crossmark-restriction":true},"short-container-title":[],"published-print":{"date-parts":[[2022,4,27]]},"DOI":"10.1145\/3537693.3537701","type":"proceedings-article","created":{"date-parts":[[2022,7,9]],"date-time":"2022-07-09T18:15:28Z","timestamp":1657390528000},"page":"103-108","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":1,"title":["Robo-Advisors: A perspective on the Latin American context"],"prefix":"10.1145","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-2978-2424","authenticated-orcid":false,"given":"Silvia Mariela","family":"M\u00e9ndez Prado","sequence":"first","affiliation":[{"name":"Social Sciences and Humanities School, ESPOL Polytechnic University, Ecuador"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-3230-0580","authenticated-orcid":false,"given":"Sandy Liliana","family":"Quishpillo Pilco","sequence":"additional","affiliation":[{"name":"Social Sciences and Humanities School, ESPOL Polytechnic University, Ecuador"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9299-9215","authenticated-orcid":false,"given":"Wellington Saud","family":"Espin Parrales","sequence":"additional","affiliation":[{"name":"Social Sciences and Humanities School, ESPOL Polytechnic University, Ecuador"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"320","published-online":{"date-parts":[[2022,7,9]]},"reference":[{"key":"e_1_3_2_2_1_1","doi-asserted-by":"publisher","DOI":"10.1080\/03085147.2020.1782054"},{"key":"e_1_3_2_2_2_1","doi-asserted-by":"publisher","DOI":"10.1108\/IMDS-08-2018-0368"},{"key":"e_1_3_2_2_3_1","doi-asserted-by":"publisher","DOI":"10.1177\/0308518X19846514"},{"key":"e_1_3_2_2_4_1","volume-title":"Investor Alert: Automated Investment Tools","author":"U.S. Securities Commission Exchange","year":"2015","unstructured":"U.S. Securities Commission Exchange, \u201cInvestor Alert: Automated Investment Tools,\u201d 2015. https:\/\/www.sec.gov\/oiea\/investor-alerts-bulletins\/autolistingtoolshtm.html"},{"key":"e_1_3_2_2_5_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-981-15-5526-8_9"},{"key":"e_1_3_2_2_6_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.3777387"},{"key":"e_1_3_2_2_7_1","doi-asserted-by":"publisher","DOI":"10.3905\/jai.2018.20.3.079"},{"key":"e_1_3_2_2_8_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-01087-4_16"},{"key":"e_1_3_2_2_9_1","doi-asserted-by":"publisher","DOI":"10.18178\/ijimt.2018.9.4.809"},{"key":"e_1_3_2_2_10_1","doi-asserted-by":"publisher","DOI":"10.1007\/s12525-017-0279-9"},{"key":"e_1_3_2_2_11_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-64466-6_6"},{"key":"e_1_3_2_2_12_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.3334198"},{"key":"e_1_3_2_2_13_1","volume-title":"The Global Findex","author":"World Bank Group","year":"2018","unstructured":"World Bank Grouph, \u201cThe Global Findex,\u201d 2018."},{"key":"e_1_3_2_2_14_1","volume-title":"Serie de Pol\u00edticas P\u00fablicas y Transformaci\u00f3n Productiva","author":"Mej\u00eda D.","year":"2016","unstructured":"D. Mej\u00eda and G. Rodr\u00edguez, \u201cDeterminantes socioecon\u00f3micos de la educaci\u00f3n financiera evidencia para Bolivia, Colombia, Ecuador y Per\u00fa,\u201d Serie de Pol\u00edticas P\u00fablicas y Transformaci\u00f3n Productiva, vol. 23, 2016."},{"key":"e_1_3_2_2_15_1","volume-title":"La educaci\u00f3n financiera en Am\u00e9rica Latina y el Caribe","author":"Desarrollo de Am\u00e9rica Latina Banco","year":"2013","unstructured":"Banco de Desarrollo de Am\u00e9rica Latina, \u201cLa educaci\u00f3n financiera en Am\u00e9rica Latina y el Caribe,\u201d 2013."},{"key":"e_1_3_2_2_16_1","volume-title":"Caracas: Superintendencia Financera de Colombia y CAF","author":"Tenjo M. F.","year":"2019","unstructured":"M. F. Tenjo and D. Mej\u00eda, \u201cEncuesta de medici\u00f3n de capacidades financieras de Colombia 2019,\u201d Caracas: Superintendencia Financera de Colombia y CAF, 2019."},{"key":"e_1_3_2_2_17_1","volume-title":"Caracas: Superintendencia de Banca, Seguros y AFP (SBS) de Per\u00fa y CAF","author":"Casta\u00f1eda K. Zarate","year":"2019","unstructured":"K. Zarate Casta\u00f1eda, J. C. Chong Chong, E. Ventura, and D. Mej\u00eda, \u201cEncuesta de medici\u00f3n de capacidades financieras de Per\u00fa 2019,\u201d Caracas: Superintendencia de Banca, Seguros y AFP (SBS) de Per\u00fa y CAF, 2019."},{"key":"e_1_3_2_2_18_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-319-93563-8_27"},{"key":"e_1_3_2_2_19_1","doi-asserted-by":"publisher","DOI":"10.1109\/MC.2018.2888774"},{"key":"e_1_3_2_2_20_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-87687-6_19"},{"key":"e_1_3_2_2_21_1","volume-title":"Research Report on Financial Technologies (Fintech)","author":"The Board of the International Organization of Securities Commissions","year":"2017","unstructured":"The Board of the International Organization of Securities Commissions, \u201cResearch Report on Financial Technologies (Fintech),\u201d 2017."},{"key":"e_1_3_2_2_22_1","volume-title":"Ley para Regular las Instituciones de Tecnolog\u00eda Financiera","author":"Cr\u00e9dito P\u00fablico E. U. M.","year":"2018","unstructured":"E. U. M. Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico, \u201cLey para Regular las Instituciones de Tecnolog\u00eda Financiera,\u201d 2018."},{"key":"e_1_3_2_2_23_1","volume-title":"Decreto 2555 de 2010 art. 2.40.1.1.1","author":"de Colombia Superintendencia Financiera","year":"2010","unstructured":"Superintendencia Financiera de Colombia, \u201cDecreto 2555 de 2010 art. 2.40.1.1.1,\u201d 2010."},{"key":"e_1_3_2_2_24_1","first-page":"66","article-title":"Estrategias nacionales de inclusi\u00f3n y educaci\u00f3n financiera en Am\u00e9rica Latina y el Caribe: retos de implementaci\u00f3n","author":"Grifoni A.","year":"2020","unstructured":"A. Grifoni, D. Mej\u00eda, S. Morais, S. Ortega, and M. J. Roa, \u201cEstrategias nacionales de inclusi\u00f3n y educaci\u00f3n financiera en Am\u00e9rica Latina y el Caribe: retos de implementaci\u00f3n.,\u201d Banco de Desarrollo de Am\u00e9rica Latina, p. 66, 2020.","journal-title":"Banco de Desarrollo de Am\u00e9rica Latina"},{"key":"e_1_3_2_2_25_1","doi-asserted-by":"publisher","DOI":"10.3386\/w26330"},{"key":"e_1_3_2_2_26_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.3931448"},{"key":"e_1_3_2_2_27_1","doi-asserted-by":"publisher","DOI":"10.1108\/IJIS-10-2020-0245"},{"key":"e_1_3_2_2_28_1","doi-asserted-by":"publisher","DOI":"10.1108\/IJBM-09-2014-0134"},{"key":"e_1_3_2_2_29_1","doi-asserted-by":"publisher","DOI":"10.3905\/jwm.2018.21.1.044"},{"key":"e_1_3_2_2_30_1","doi-asserted-by":"publisher","DOI":"10.1136\/bmj.n71"},{"key":"e_1_3_2_2_31_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.techfore.2020.120421"},{"key":"e_1_3_2_2_32_1","doi-asserted-by":"publisher","DOI":"10.15304\/rge.26.1.4322"},{"key":"e_1_3_2_2_33_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbef.2020.100297"},{"key":"e_1_3_2_2_34_1","volume-title":"The Robo Report & Ranking","author":"Benchmarking Backend","year":"2021","unstructured":"Backend Benchmarking, \u201cThe Robo Report & Ranking,\u201d 2021."}],"event":{"name":"ICEEG 2022: 2022 6th International Conference on E-Commerce, E-Business and E-Government","location":"Plymouth United Kingdom","acronym":"ICEEG 2022"},"container-title":["Proceedings of the 6th International Conference on E-Commerce, E-Business and E-Government"],"original-title":[],"link":[{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3537693.3537701","content-type":"unspecified","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/dl.acm.org\/doi\/pdf\/10.1145\/3537693.3537701","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,5,17]],"date-time":"2026-05-17T01:55:26Z","timestamp":1778982926000},"score":1,"resource":{"primary":{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3537693.3537701"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2022,4,27]]},"references-count":34,"alternative-id":["10.1145\/3537693.3537701","10.1145\/3537693"],"URL":"https:\/\/doi.org\/10.1145\/3537693.3537701","relation":{},"subject":[],"published":{"date-parts":[[2022,4,27]]},"assertion":[{"value":"2022-07-09","order":3,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}