在目前低利率及低薪的時代，加上少子化及高齡化，學習投資理財替自身未來退休做規劃已經是現代人們一生中必修習的重要課程，面對市場上各種不確定因素的波動、克服人性貪婪及恐懼以及各種難懂的專業金融理財術語，往往是人們對於投資理財的否定及膽怯，但隨著科技的快速進步以及資訊的高透明度，簡單易懂好操作的理財機器人出現，將在未來人們在從事投資理財活動中扮演著重要的角色。
本研究將以此為思考點出發，研究對象為臺灣具有投資經驗的投資者對於使用理財機器人的意願，透過網路問卷之調查方式，總共收回355份有效問卷。以科技接受模型為理論基礎並使用結構方程模型進行分析，瞭解投資者在理財機器人易用性、理財機器人有用性、使用態度與使用意圖之間的關係。此外，本研究亦探討可支配所得與理財知識對使用態度與使用意圖間之干擾效果。
研究發現理財機器人易用性、理財機器人有用性、使用態度在使用意圖上扮演具有影響力之變數；可支配所得對使用態度與使用意圖間不具有干擾效果但有調節效果，而理財知識對使用態度與使用意圖間則具有干擾效果。根據本研究之結果建議，銀行在推廣理財機器人服務時，提供容易使用與讓投資人覺得有用的系統，並搭配免收取或享有高折扣交易手續費吸引投資人使用；再者，在理財知識的干擾作用下，屬於高理財知識的銀行理財專員會有更高的使用意願，因此理財專員可將理財機器人當作投資決策的輔助工具，無需擔心會被理財機器人所取代。

In the low-interest rates and low wages generation, coupled with the declining birthrate and population aging, people studying investment and wealth management for their retirement planning is an important course in their lifetime. People not only facing the fluctuations of various uncertain factors in the market but also overcoming human greed and fear and various incomprehensible professional financial terms, which are often negated and timid about investment and wealth management. However, high-tech and high transparency of information, easy to understandable and operational Robo-Advisors will appear. In the future, Robo-Advisors will play an important role in the investment and wealth management.
In this research, we focus on intention of Taiwan investors with investment experience to use Robo-Advisors. The research is based on the technology acceptance model, we can understand the influences of the investors on the perceived ease of use, the perceived usefulness, the attitude toward using and the behavioral intention to use. In addition, we use the attitude toward using and the intention of use after the disposable income and financial knowledge as moderators and discuss their interference effects upon the behavioral intention to use.
There are 355 valid questionnaires are collected and the hypotheses are tested by Structural Equation Modeling analysis. The result shows that perceived the ease of use of Robo-Advisors, perceived the usefulness of Robo-Advisors, and the attitude toward of user as an influential variable in the behavioral intention to use. The disposable income has only a regulating effect between attitude and intention, and the financial knowledge causes moderating effects between attitude and intention. Therefore, based on the result, it is recommended that bank’s should introduce relevant Robo-Advisors. For example, when investors use Robo-Advisors service, they will get free of charge or transaction fee discount. The bank's financial consultants belong to the high-finance knowledge personnel, so they can regard Robo-Advisors as auxiliary software. At this stage it is difficult to completely replace the financial consultants, because we must rely on high–tech development in the future. Therefore, the bank financial consultants do not have to be overly panic.

論文審定書......i
公開授權書
誌 謝...... ii
摘 要...... iii
Abstract......iv
目 錄...... v
圖 次...... vi
表 次...... vii
第一章 緒論......1
第一節 研究背景與動機......1
第二節 研究目的......2
第三節 研究流程......3
第四節 研究範圍與限制......4
第二章 文獻探討......5
第一節 理財機器人......5
第二節 科技接受模型......12
第三節 可支配所得......14
第四節 理財知識......16
第三章 研究設計......18
第一節 研究結構......18
第二節 研究模式與假設......19
第三節 研究變數操作型定義與量表......20
第四節 研究對象......23
第五節 資料分析方法......23
第四章 實證分析......25
第一節 樣本資料與變數分析......25
第二節 理財機器人易用性、有用性、使用態度對使用意圖之結構方程模型......35
第三節 可支配所得對使用態度與使用意圖之干擾效果......41
第四節 理財知識對使用態度與使用意圖之干擾效果......43
第五節 實證結果彙整......45
第五章 結論與建議......46
第一節 研究結論......46
第二節 研究建議......48
第三節 管理意涵......49
參考文獻......51
附錄......55

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三、 網路部分
中華民國勞動部
https://www.mol.gov.tw/topic/3067/5991/6008/19156/, December 14
中國信託智動GO
https://www.ctbcbank.com/CTCBPortalWeb/toPage?id=TW_MRB_CM_ROBO_000002, December 14
台北富邦銀行奈米投
https://nmplusinvestment.fubon.com/event.html, December 14
行政院主計總處
https://www.dgbas.gov.tw/ct.asp?xItem=779&ctNode=3251, December 14