金融科技所引發的破壞式創新，挑戰既有金融服務方式和消費行為。傳統人類理專不禁開始擔心，原本專屬於人類的財富管理工作，未來是否將逐漸被理財機器人取代!本研究主要以科技接受模式(Technology Acceptance Model,TAM) 另加入個人創新性、競爭者使用度及知覺互補性的外部變數探討傳統人類理財專員對理財機器人協同工作的接受因素以及影響理財機器人使用態度之關鍵因素。

調查結果顯示，競爭者使用度對知覺有用性及知覺易用性皆有顯著的影響;知覺互補性對知覺有用性有顯著影響，對知覺易用性則沒有顯著影響;個人創新性對知覺有用性、知覺易用性，皆沒有顯著影響。總結來說，傳統人類理專與理財機器人協同工作的使用意願顯著，而影響其意願的因素有知覺有用性、知覺易用性、競爭者使用度及知覺互補性。傳統人類理專與理財機器人或許並非單純競爭關係，亦可相輔相成創造更大的價值。

Disruptive innovation triggered by financial technology is challenging the existing financial service providers and consumer behaviors. Financial consultants cannot help but worrying about being replaced by robo-advisor on wealth management which is a business used to be served by human beings.　This study investigated the factors influencing the collaboration between financial consultants and robo-advisor with a TAM perspective which includes external variables of personal innovation, competitors' use, and perceptual complementarity.

The results show that, the use by competitors has a significant impact on perceived usefulness and perceived ease of use; perceived complementarity has a significant impact on perceived usefulness, but it has no significant effect on perceived ease of use; personal innovation has no significant impact on perceived usefulness and perceived ease of use. To sum up, financial consultants and robo-advisor have a great willingness to use in collaborative work. Factors that affect their willingness are perceptual usefulness, perceptual ease of use, competitor use, and perceptual complementarity. Traditional financial consultants and robo-advisor may not be simply competing, but they can also complement each other to create greater value.

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