本研究針對近年來興起的金融科技產業，許多業務逐漸轉變為自動化、可線上申辦，再加上網路銀行以及行動銀行的普及，許多服務不再需要真人的服務，分行端也面臨櫃員、理財專員被機器取代的危機，因此本研究以機器人理財顧問(Robo-Advisor)作為研究核心，分析目前國內現況以及未來的發展方向，比較新創金融科技公司與大型金融機構之產品差異。其中將探討機器人理財顧問與傳統銀行理財專員之業務重疊性，以及金融消費者對於新科技與財富管理結合之接受度。

藉由科技接受模型以及創新擴散理論設計訪綱，利用深度訪談法來訪問六位在金融科技公司、金融機構之業者。機器人理財顧問透過3C產品即可輕鬆下單，又具有低門檻的特性，主要鎖定的族群即為習慣科技產品的年輕世代族群，因此對於使用網路服務投資下單，結果都為正面看法；而創新擴散理論中結論亦為正面，但礙於機器人理財顧問發展時間過短，擴散效果有限，尚需要時間使市場上投資人理解資訊及接受。而理財專員未來的主要優勢為服務本身，目標客群與機器人理財顧問不同，因此在業務重疊性部分，不需要擔心業務量遭到機器人所侵蝕。即使上述模型理論之結果都為正，但因牽涉到金融服務，投資人容易因產品的績效及報酬，進而影響到行為意圖，而因爲機器人理財顧問處於發展初期，還可望未來時間的推演，消費者能夠慢慢信任以及接受此創新服務。而國內未來的發展受到環境的限制，金融科技業者缺乏資金，大型金融機構之經營模式又仍然仰賴效益高的傳統理財專員，故造成目前機器人理財顧問的發展受阻礙。

This thesis aims at the new FinTech industry which gains popularity in recent years. A lot of services which were traditionally provided by human clerks have gradually been turned into their automation mode, namely, the online system with intelligent machines provide the full services eliminating the needs from human beings. Many bank branches face the threats that the tellers and financial commissioners are to be replaced by machines. Our study focuses on one of the major FinTech areas, the Robo-Advisor, which provides financial advices to investors from the general public, as our core research topic. We analyze the current situation and future development in the domestic markets, make comparisons between products offered by FinTech start-ups and large financial institutions, and discuss how these current problems can be solved in the future. Our study explores the business overlaps between Robo-Advisors and traditional bank financial advisors, as well as the acceptance and views of financial consumers regarding the integration of new technology and wealth management.

We investigate these issues with the in-depth interviews method. Based on Technology Acceptance Model and Innovation Diffusion Theory, a set of interview problems were designed and used in the interviews of six practitioners from financial technology companies or financial institutions. Due to the short development time of robot financing consultants and limited diffusion effects, we expect that it will still take some time for investors in the market to understand how the service is provided and to accept it. The main advantage of financial consultant in the future is the service itself. Therefore, in the overlapping part of the business, there is no need to worry about the business volume being eroded by the robot. However, the future development of Taiwan is limited by the environment in at least two aspects. Firstly, the financial technology industry are generally in lack of funds and start-ups struggle to attract sufficient money to develop their businesses. Secondly, the business model of large financial institutions still relies on traditional wealth management commissioners who have good customer relation and high efficiency. Both have hindered the development of the Robo-Advisor industry.

一、中文文獻
1. 湯睿瑩，(2017)，《以科技接受模型延伸探討行動支付對金融消費者選擇意願因素之研究》，碩士論文，國立臺灣科技大學財務金融研究所。
2. 林安泰，(2010)，《以科技接受模式、創新擴散裡輪及品牌忠誠度探討智慧型手機使用之影響因素》，碩士論文，國立東華大學國際企業學系。
3. 洪志麟、賴冠妤、陳國瑞、呂馥伊，(2016)，《機器人投資顧問(Robo-Advisor)國外實務及相關法令與管理措施之研究》，《協合國際法律事務所》。
4. 陳莉貞、蘇秀玲、郭怡君，(2018)，《我國發展機器人理財顧問之研究》，《財團法人中華民國證券暨期貨沃市場發展基金會》。
5. 羅巧娜，(2017)，《以科技接受模型探討消費者行動支付之使用意圖》，碩士論文，東吳大學會計學系。
6. 謝焸君，(2016)，《以科技接受模型探討人們觀賞3D電影之行為意圖》，碩士論文，國立中興大學科技管理研究所。
7. 林宗，(2014)，《以科技接受模型探討QR-Code的使用傾向-只會手持裝置的實證研究》，碩士論文，國立臺灣科技大學管理研究所。
8. 熊震宇，(2014)，《以理性行為理論、擴充科技接受模型探討從眾行為對APP遊戲使用行為之影響-以Candy Crush為例》，碩士論文，國立成功大學工程管理系。
9. 洪旗能，(2017)，《與機器人共舞-以科技接受模式探討銀行行員與機器人協同工作的接受因素》，碩士論文，國立臺灣科技大學企業管理系。
10. Yosuke Tsuji、Toshio Taki、洪淳瀅(譯者)，(2017)，《FinTech跟我有什麼關係》，商業週刊。
11. Susanne Chishti、Janos Barberis、唐祖蔭(譯者)、陳世杰(譯者)、劉奕吟(譯者)，(2016)，《FinTech金融科技聖經》，商業週刊。
二、英文文獻
1. Reny Nadlifatin (2013)「Investigation on Factors Influencing Students’ Acceptance Towards Blackboard Learning System」National Taiwan University of Science and Technology.
2. Davis Jr, F. D. (1986), “A technology acceptance model for empirically testing new end-user information systems: Theory and results.” Doctoral dissertation, Massachusetts Institute of Technology.
3. Venkatesh, V., & Davis, F. D. (2000), “A theoretical extension of the technology acceptance model: Four longitudinal field studies.” Management science, 46(2), pp. 186-204.
4. Ajzen, I., and Fishbein, M. (1975). Belief, attitude, intention and behavior: An introduction to theory and research: Reading, MA: Addison-Wesley.
三、其他資料
1. 《金融科技發展策略白皮書》(2015)，金融監督管理委員會。
中央銀行統計資訊網https://www.cbc.gov.tw/CPX/Tree/TreeSelect，2018