{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,1,6]],"date-time":"2026-01-06T20:17:35Z","timestamp":1767730655773,"version":"build-2238731810"},"reference-count":25,"publisher":"Wiley","issue":"1","license":[{"start":{"date-parts":[[2021,1,28]],"date-time":"2021-01-28T00:00:00Z","timestamp":1611792000000},"content-version":"vor","delay-in-days":27,"URL":"http:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"funder":[{"name":"Beijing Social Science Foundation Co-Construction Project"}],"content-domain":{"domain":["onlinelibrary.wiley.com"],"crossmark-restriction":true},"short-container-title":["Complexity"],"published-print":{"date-parts":[[2021,1]]},"abstract":"<jats:p>With the rapid development of the market economy, there are more and more projects in the financial industry, and their complexity and technical requirements are getting higher and higher. The development of computer technology has promoted the birth of robot consultants, and it is of great significance to use robot consultants to manage and supervise financial industry projects. In order to further analyze the development and supervision of robo\u2010advisors under the digital inclusive financial system, this paper uses complex systems and clustering algorithms as technical support to carry out research. First, the traditional K\u2010means algorithm is used to select the initial clustering center, to improve the noise and outlier processing capabilities, and to build a data mining system based on the improved algorithm. Then, a product design model for robo\u2010advisors is built and the risks of robo\u2010advisors are analyzed from three aspects: technology, market, and law. Analyzing the performance of the improved K\u2010means algorithm, in the operation of the experimental dataset B, the accuracy of the clustering result after 6 iterations reached 97.08%, which shows that the algorithm has good performance. During the trial operation of the data mining system, the four types of customers of financial institutions were accurately clustered, and it was concluded that the main type of customers who brought benefits to financial institutions was high\u2010income customers accounting for 10.75%. Robo\u2010advisory product models are used to build five risk\u2010level investment portfolios and conduct risk backtests. Except for the growth and income portfolio, other portfolios have consistently outperformed the performance benchmark during the analyzed time period. Running the research system of this paper in a financial institution, comparing the capital budget before and after the operation, found that the system can improve the accuracy of the budget and reduce the risk of the robo\u2010advisor for the financial institution.<\/jats:p>","DOI":"10.1155\/2021\/6666089","type":"journal-article","created":{"date-parts":[[2021,1,28]],"date-time":"2021-01-28T15:37:05Z","timestamp":1611848225000},"update-policy":"https:\/\/doi.org\/10.1002\/crossmark_policy","source":"Crossref","is-referenced-by-count":12,"title":["[Retracted] Development and Supervision of Robo\u2010Advisors under Digital Financial Inclusion in Complex Systems"],"prefix":"10.1155","volume":"2021","author":[{"ORCID":"https:\/\/orcid.org\/0000-0001-9644-1684","authenticated-orcid":false,"given":"Wensheng","family":"Dai","sequence":"first","affiliation":[]}],"member":"311","published-online":{"date-parts":[[2021,1,28]]},"reference":[{"key":"e_1_2_9_1_2","doi-asserted-by":"publisher","DOI":"10.1007\/s40804-020-00187-8"},{"key":"e_1_2_9_2_2","doi-asserted-by":"publisher","DOI":"10.1021\/acs.jpclett.6b00699"},{"key":"e_1_2_9_3_2","doi-asserted-by":"publisher","DOI":"10.1051\/alr\/2016022"},{"key":"e_1_2_9_4_2","doi-asserted-by":"publisher","DOI":"10.1111\/cwe.12312"},{"key":"e_1_2_9_5_2","doi-asserted-by":"publisher","DOI":"10.1007\/s12525-017-0279-9"},{"key":"e_1_2_9_6_2","doi-asserted-by":"publisher","DOI":"10.1016\/j.ress.2015.12.009"},{"key":"e_1_2_9_7_2","doi-asserted-by":"publisher","DOI":"10.1002\/sres.2621"},{"key":"e_1_2_9_8_2","doi-asserted-by":"publisher","DOI":"10.12989\/sss.2016.17.5.753"},{"key":"e_1_2_9_9_2","first-page":"159","article-title":"An improved construction and optimization of complex system model of aerobics teaching in colleges","volume":"55","author":"Yu L.","year":"2017","journal-title":"Boletin Tecnico\/Technical Bulletin"},{"key":"e_1_2_9_10_2","first-page":"1215","article-title":"Research on selective maintenance decision-making method of complex system considering imperfect maintenance","volume":"39","author":"Wang S. 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