國內疫情逐漸升溫，保持社交距離已是防疫共識，各大金融機構業者，莫不對於零接觸提出「宅金融」相關服務，讓民眾不出門就可以享有金融服務，因此本研究希望以協助金融機構業者在因應數位化發展之商機，鼓勵金融創新及普及，滿足市場消費需求，期望找出影響使用智能機器人意願之因素。
本研究以TAM模型為基礎，結合Cheng et al (2006)和Lee (2009)等學者所提出的影響因素，建構出影響使用智能機器人意願的研究模式，進行分析調查。
研究結果顯示：1. 經濟利益與使用智能機器人的意圖有正向影響。2. 易用性與使用智能機器人的意圖有正向影響。3. 擬人化程度與使用智能機器人的意圖有正向影響。4.風險偏好與使用智能機器人的意圖有正向影響。5.科技接受度與使用智能機器人的意圖有正向影響。6. 信任轉移至金融機構與使用智能機器人的意圖有正向影響。

The domestic epidemic is gradually heating up, and maintaining social distancing has become the consensus for epidemic prevention. Major financial institutions have all proposed "home finance" related services for zero contact, so that people can enjoy financial services without going out. Therefore, this research hopes to assist financial institutions in response to the business opportunities of digital development, encourage financial innovation and popularization to meet market consumer demand, and hoping to find out the factors that affect the willingness to use financial Robo-Advisors.
This research is based on the TAM model, combined with the influencing factors proposed by Cheng et al (2006) and Lee (2009), etc., to construct a research model that affects the willingness to use financial Robo-Advisors, and conduct analysis and investigation.
The research results show that: 1. Economic benefit has a positive effect on the intention of using financial Robo-Advisors. 2. Convenience has a positive effect on the intention of using financial Robo-Advisors. 3. The degree of anthropomorphism has a positive effect on the intention of using financial Robo-Advisors. 4. Risk preference has a positive effect on the intention of using financial Robo-Advisors. 5. The acceptance of science and technology has a positive effect on the intention of using financial Robo-Advisors. 6. The transfer of trust to financial institutions has a positive effect on the intention to use financial Robo-Advisors.

審定書 i
摘要 ii
Abstract iii
目 錄 iv
圖 目 錄 vi
表 目 錄 vii
第壹章 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
第貳章 文獻探討 4
第一節 經濟利益 4
第二節 易用性 4
第三節 擬人化程度 5
第四節 風險偏好 6
第五節 科技接受度 7
第六節 使用智能機器人的意圖 7
第七節 信任移轉至金融機構 8
第參章 研究設計 9
第一節 研究架構 9
第二節 操作型定義及衡量方法 10
第三節 問卷架構 12
第肆章 實證分析 14
第一節 樣本資料分析 14
第二節 信度與效度分析 22
第三節 理財機器人使用意圖分析 24
第四節 人口統計變數 38
第伍章 結論與建議 59
第一節 結論 59
第二節 管理意涵 62
第三節 建議 63
參考文獻 64
附錄：問卷內容 67
 

一、網頁資料
台灣金融研訓院，台灣銀行家(2018) 第103期
http://service.tabf.org.tw/TTB/Article/Detail?aID=141
國泰世華銀行
https://www.cathayrobo.com/welcome/
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邱皓政，2010，量化研究與統計分析：SPSS(PASW)資料分析範例解析，臺北市：五南
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