近年來隨著金融科技的不斷創新，理財機器人所提供的服務與功能是否會取代人類理專是現今熱門討論議題。其中的關鍵之一是理財客戶是否能全然接受理財機器人，以至於完全信任理財機器人提供之「個人化」投資組合推薦？本研究係探討理財客戶對於人類理專與理財機器人看法及選擇。

本研究以問卷方式進行，試圖了解受訪者對人類理專提供之理財服務及理財機器人間之偏好。藉由計劃行為理論分析，將人類理專和理財機器人列為前置變數，研究這兩者對於個人的態度、主觀規範及知覺行為控制的影響，進而探討哪些變數會影響理財客戶的行為意向。

研究結果顯示理財行為意向受到態度的顯著影響，表示受訪者選擇人類理專與理財機器人受其個人對理財方式的態度與接受度具有高度影響。理財客戶本身的想法(態度)之於人類理專為不顯著，但卻對理財機器人呈現高度正相關；對理財客戶有影響力的人之理財經驗或看法(主觀規範)於人類理專為顯著正相關，對理財機器人為不顯著；至於理財客戶對自己選擇的信心程度(知覺行為控制)之於人類理專為顯著正相關，對理財機器人為不顯著。

In recent years, as financial technology (FinTech) becomes ever more innovative, whether the financial services that are provided by human financial experts in tradition been replaced by robo advisors or not arises as a popular issue. A key question is would clients accept robo advisor’s recommended personal investment portfolio without reservation? Consequently, this thesis is motivated to study client’s attitudes and choices toward financial consultant and robo advisor.
Per research questions, survey is deployed to investigate the attitude gap between human financial consultant and robo advisor. By applying the Theory of Planned Behavior, this study adopts factors regarding human financial consultant and robo advisor as antecedent variables, to study their influence on personal attitude, subjective norm and perceived behavioral control, and the consequence of behavior intension.
The result shows that the attitudes affect financial behavior intension significantly, implying that the client’s attitudes toward human financial consultant and robo advisor are different. Furthermore, client’s attitudes are ineffective to human financial consultant however are effective to robo advisor; whereas those financial experience or idea (subject norm) with significant influence on clients do not appear to affect robo advisor; and lastly, the confidence of clients themselves (perceived behavioral control) appears to be significant to human financial consultant and insignificant to robo advisor.

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