疫情能否讓AI投顧機器人與警察人員邂逅？

Could AI Robo-Advisors Meet Police Officers during the COVID-19?

過去十年，AI投顧服務是金融科技的典範應用，且受到金融市場投資人的關注。然而，過往關於AI投顧服務的諸多研究主要集中在性能開發與績效改善方面，且未有研究針對警察人員於疫情期間對AI投顧服務的採用意願進行關注。本研究整合信任影響機制文獻，探討信任轉移理論的六個影響研究構念，以測試警察人員對於AI投顧的採用意願。本研究模型經由176位警察人員的問卷調查實證，並發現政府監管的重要影響作用，且驗證其他信任影響因素，包括公司聲譽、服務承諾與科技信任和AI投顧服務採用意願之間存在顯著間接關係。因此，本研究通過對AI投顧服務的深入調查，可促進業者加速從傳統金融服務邁向金融科技服務的轉變，達到社會普惠金融與永續發展之目的。

Over the last decade, robo-advisor has been a typical application of fintech and have attracted more attention from investors in the financial market. However, many studies on robo-advisor have focused on performance improvement. No research has focused on the intention to adopt robo-advisor for police officers during the epidemic. This study integrates trust influence mechanism and explores the six constructs of trust transfer theory to test the intention to use robo-advisor for police officers. This model was tested via a survey of 176 police officers. we found the important influence of government regulation and verified that there are significant indirect relationships between other trust influencing factors, including company reputation, service commitment, trust in technologies, and willingness to adopt robo-advisor. Therefore, through an in-depth investigation of robo-advisor, this study can promote the industry transition from traditional financial services to fintech services, and achieve the goal of social inclusive finance and sustainable development.