In times when traditional saving accounts are no longer attractive due to the current interest rates, robo-advisors appears to be an alternative investment utility. Robo-advisor has made investment advisory services available to the general public by offering automated system to allocate assets that is tailored to each individual’s investment needs and risk profile. The successful implementation of robo-advisors depends heavily on the extent of how much customers are fully motivated to use these services. The purpose of this study is to identify factors that affect Swedish consumers intention to use robo-advisors using UTAUT (unified theory of acceptance and use 2) with the extended factors perceived risk and trust. The results indicate that performance expectancy, facilitating conditions, hedonic motivation and perceived risk influence how Swedish consumers formulate their behavioral intention to use robo-advisors. / I samband med det låga ränteläget har traditionella sparkonton blivit mindre attraktiva och genererat en ökad efterfråga bland konsumenter på nya investeringsalternativ. Finansiell robotrådgivning har gjort investeringsrådgivning tillgängligt för allmänheten genom att erbjuda automatiserade system för portföljförvaltning. Framgångsrik etablering av finansiella robotrådgivningstjänster beror i vilken utsträckning potentiella kunder är motiverande att börja använda dessa system. Syftet med denna studie är att undersöka vilka faktorer som påverkar svenska konsumenters intention till användning av finansiella robotrådgivningstjänster. Studiens undersökningsmodell är baserad på the unified theory of acceptance and use 2 (UTAUT2), med adderade faktorer: uppfattad risk och tillit. Data samlades in via en surveyundersökning och tolkades med hjälp av Partial Least Square Structual Equation Modelling (PLS-SEM). Resultatet indikerar att förväntad prestation, underlättande förutsättningar, hedonisk motivation och uppfattad risk har betydande effekt för hur intention till användning formas.

Health care consumers are under-represented in literature when defining patient and family engagement. The proportion of people living longer is rapidly growing. Future research is needed to evaluate which strategies of patient and family engagement are most useful in real-world health care settings for patient and families. The purpose of this study was to describe the lived experiences of patient/family advisors working within patient family advisory councils at an academic medical center in the Midwestern United States. The conceptual framework is based on Greenleaf's servant leadership and Bass's transformational leadership. The research questions examined how patient/family advisors describe patient and family engagement, their experiences from the advisor program, and what is most meaningful to them. A phenomenological design was employed with a purposeful sample of 19 interview respondents drawn from 5 different advisory councils. Data analysis consisted of interpretive phenomenological analysis and a detailed, in-depth account of participant experiences. Transcripts from semi structured face-to-face interviews were collected, coded, validated by member checking, and triangulated with emergent themes. Emergent themes included patient/family advisors' descriptions of patient and family engagement within the patient family advisory councils and organizational efforts most meaningful to patient/family advisors. The results of this study may help create social change by improving the standards and quality of patient and family engagement by preparing health care professionals to better meet the needs of health care consumers.

<p>Workplace bullying is a major global issue which has received a lot of recognition because of its negative effects on victims’ health and work productivity. There have been many attempts to mitigate the effects of workplace bullying, leading researchers to extensively study the phenomenon in various contexts and relationships. Information on workplace bullying in the academic context, precisely relationships between academic advisors and graduate student advisees, is however, lacking. This study aimed at filling in the gap by seeking information about communicative behaviors from advisors that graduate advisees characterized as bullying, and common responses graduate advisees resorted to in the face of adversity. We also sought to understand why advisees may have responded to maltreatment in specific ways. We, therefore, proposed a working model which hypothesized a relationship between advisor negative acts, commitment levels of advisees, and advisee responses. Using Amazon’s Mechanical (MTurk) to recruit our sample, participants filled out a survey which included a few demographic questions, the revised version of the Negative Acts Questionnaire (NAQ-R) to measure advisor negative acts, the Exit-Voice-Loyalty-Neglect (EVLN) typology to measure advisee responses, and the Investment Model Scale (IMS) to measure advisee commitment levels to the work relationship with advisors. We verified the reliability and validity of the scales adopted for this study and ran some correlation and mediation analyses to answer our research questions and test our hypotheses. From our findings, we learned that most advisees reported personal insults occurring more frequently in their work relationships with advisors. Advisees also reported a high commitment to the work relationships with their advisors, despite maltreatment, and often responded by adopting the voice or neglect strategy. Findings from this exploratory study imply there is more information to be sought on workplace bullying between advisees and advisors in academic contexts.</p> <br> <p> </p>

Bakgrund: Bakgrunden presenterar digitaliseringens utveckling och jämför det med media som tidigare varit analogt. Därefter redogörs för utvecklingen av automatiserade finansiella rådgivare och de utvecklingsstadier det genomgått. I samband med utvecklingen påträffas olika aspekter hos unga småsparare som påverkar förtroendet som övergången från att använda mänskliga finansiella rådgivare till robotrådgivare. Syftet: Syftet med uppsatsen är att undersöka hur företag inom fondförsäljning och aktiemäklarbanker kan nyttja robotrådgivningstjänster bland unga småsparare. Undersökningen fokuserar främst på aspekterna informationsspridning och riskupplevelse.  Teoretisk referensram: Denna studie utgår från tre olika teorier, vilka omfattar Unified theory of acceptance and use of technology, Theory of perceived risk och Innovation Diffusion Theory. Metod: Studien utför en kvantitativ ansats genom en tvärsnittsdesign. Urvalsramen inkluderar unga vuxna som är 18 till 30 år. Datainsamlingen genomfördes via sociala medier och skolplattformar, och totalt deltog 151 unga högskolestudenter i enkätundersökningen.  Slutsats: Utifrån resultaten förekommer det en positiv korrelation mellan användningen och riskupplevelsen, vilket gör att robotrådgivare har en möjlighet att attrahera unga vuxna till segmentet.

The role of the financial advisor is subject to fiduciary duty, which means that the advisor always should act in the best interest of the client and has traditionally referred to the financial aspects. Finance is now experiencing a revolution, where the concept of sustainable finance is on the agenda of many actors when the sustainability amendments to MiFID II entered into force, as part of the EU Action Plan on Sustainable Finance. The new regulations will add to the already intensified information load characterizing the financial advisory landscape. Moreover, this new dimension of sustainability is very different from the strictly financial one, which in itself is subject to both conceptually and operational complexity. This study aims to investigate what difficulties and complexities are arising from the growing amount of sustainability demands and information and how these affect the financial advisor and its role. This was done as a qualitative case study where nine semi-structured interviews were conducted with financial advisors working in Denmark, Finland, and Sweden, together with two interviews with employees working with sustainability at a central level in a Nordic bank. The analysis is based on the interviews combined with current literature and together lays the foundation for the findings. The key findings of the study are that there are five identified difficulties stemming from different areas that are seen as important for understanding what the inclusion of sustainability preferences into financial advisory might mean going forward, and what effects that it will have on the financial advisor: (i) regulatory changes and compliance, (ii) sustainability preferences, (iii) the information-intensive landscape, (iv) advisors’ required awareness and knowledge, and (v) the perceived advisor’s role. When adding these identified difficulties together, the conclusion is that the concept of sustainable finance is not as uncomplicated as perhaps portrayed, and this holds extra true for the studied inclusion of sustainability in the advisory process. / Den finansiella rådgivarens roll är föremål för fiduciary duty, vilket innebär att rådgivaren alltid ska agera i kundens bästa och traditionellt har hänvisat till de ekonomiska aspekterna. Finans upplever nu en revolution, där begreppet hållbar ekonomi står på dagordningen för många aktörer när hållbarhetsändringarna till MiFID II trädde i kraft, som en del av EU: s handlingsplan för finansiering av hållbar tillväxt. De nya reglerna kommer att öka den redan intensifierade informationsbelastningen som kännetecknar det finansiella rådgivande landskapet. Dessutom skiljer sig denna nya hållbarhetsdimension mycket från den strikt ekonomiska, som i sig är föremål för både konceptuell och operativ komplexitet. Studien syftar till att undersöka vilka svårigheter och komplexiteter som uppstår till följd av den ökande mängden hållbarhetskrav och information och hur dessa påverkar den finansiella rådgivaren och dess roll. Detta gjordes som en kvalitativ fallstudie där nio semistrukturerade intervjuer genomfördes med finansiella rådgivare som arbetade i Danmark, Finland och Sverige, tillsammans med två intervjuer med anställda som arbetade med hållbarhet på en central nivå i en nordisk bank. Analysen baseras på intervjuerna i kombination med aktuell litteratur och lägger tillsammans grunden för resultaten. De viktigaste resultaten i studien är att det finns fem identifierade svårigheter som härrör från olika områden som ses som viktiga för att förstå vad införandet av hållbarhetspreferenser i finansiell rådgivning kan innebära framöver och vilka effekter det kommer att få för finansiella rådgivare: (i) regeländringar och efterlevnad, (ii) hållbarhetspreferenser, (iii) det informationsintensiva landskapet, (iv) rådgivarnas medvetenhet och kunskap och (v) den upplevda rådgivarens roll. När man sammanställer dessa identifierade svårigheter är slutsatsen att begreppet hållbar ekonomi inte är så okomplicerat som det kanske framställs, och detta gäller extra för den studerade inkluderingen av hållbarhet i rådgivningsprocessen.

This study examined some differences between continuing and non-continuing special admission students in areas of academic advising in ways that are more systematic and thorough than past research. The premise of the study is that having a clearer understanding of how academic advising affects retention might provide colleges and universities with information to optimize the collegiate experience for special admission students. Therefore, research on the effect academic advising has on special admission student retention might offer insight into how the interactions between student and advisor affect retention issues. A non-experimental descriptive research design was employed to investigate the differences between the independent variables (advising style, frequency of contact, gender match, and race or ethnicity match) and the dependent variable, student retention. There were three sources of data used in this study. First, data were collected from students through the use of the Academic Advising Inventory (AAI) and External Factors of Retention Survey (EFRS) using online survey software. Second, data were collected from existing databases provided by an urban higher education institution. Finally, brief phone surveys were conducted with non-continuing students. Due to low survey response, no statistical analysis for significance was reported in this study. However, patterns observed from the AAI/EFRS and the phone surveys provided the following results. First, continuing special admission students had more advisor contact than non-continuing students. Second, despite continuing students’ higher average scores on the Developmental-Prescriptive Advising Scale (measure for advising style) of the AAI, the higher perceived advising style scores did not suggest a higher frequency of student-advisor contact in the first semester. Third, perceived advising style may have influenced frequency of student-advisor contact among non-continuing students. Fourth, continuing students had a decrease in frequency of student-advisor contact in consecutive semesters. Fifth, the perception of students that their race or ethnicity are respected by their advisor may matter more than a race or ethnicity match. Sixth, gender match was not related to frequency of student-advisor contact for continuing students. Seventh, clearly stating the objectives of a research study and how participation serves the objectives may aid in the recruitment of difficult to reach populations. Eighth, institutional efforts to reach out to these students could influence the students’ decision to continue enrollment.

Bakgrund: Banksektorn genomgår en digital utveckling och förändringen sker i en allt snabb takt. Nya marknadsförhållanden med regelverk, en förändrad konkurrenssituation och ett förändrat kundbeteende har ställt banksektorn inför nya utmaningar och möjligheter som bankerna behöver förhålla sig till för att upprätthålla och stärka förtroendet gentemot sina kunder. Syfte: Studiens huvudsyfte är att undersöka hur banker hanterar förtroenderelaterade frågor under den ökade digitaliseringen inom banksektorn. Vidare syftar studien till att skapa en djupare förståelse för robotiserade rådgivningsprocesser och dess påverkan på bankkundernas förtroende i samband med att den fysiska kontakten mellan bank och kund minskar. Metod: Studien är utav en kvalitativ karaktär med en abduktiv forskningsansats och baseras på intervjuer med fem respondenter med relevanta yrkesroller som berör digitalisering- och förtroendefrågor inom den svenska banksektorn. Slutsats: Studiens resultat påvisar att digitaliseringen medför nya möjligheter och utmaningar som bankerna kan dra nytta av förutsatt att dem hanterar den digitala utvecklingen på ett korrekt sätt. Resultatet tyder vidare på att bankerna behöver förhålla sig till dem förändrade marknadsförhållandena och ständigt bemöta kundernas förväntansbild. / Background: The banking industry is facing a digital transformation and the change is taking place at a rapid pace. New market conditions, a changing competitive situation and a changing customer behavior have put the banking industry in front of new challenges and opportunities that banks needs to manage to maintain and strengthen their customers trust towards themselves. Purpose: The main purpose of the study is to investigate how banks handles trust-related issues in the context of the increased digitalization in the banking industry. Furthermore, the study aims to create a deeper understanding of robo-advising and its impact on banking customers' trust while the physical contact between banks and customers decreases. Method: The study is of a qualitative character and follows an abductive research effort. The study is based on interviews with five respondents with relevant professional roles that concern digitalization and trust within the Swedish banking industry. Conclusion: The study's results show that digitalization brings new opportunities and challenges that banks can benefit from, given they handle the digital development properly. The result further indicates that banks need to manage the changing market conditions and constantly respond to customers' expectations.

近幾年來金融科技快速發展,傳統金融業被破壞式創新顛覆, 智能投顧的興起改變了資產管理行業的傳統模式,填補了一般大 眾理財市場的空缺。隨著互聯網理財模式在中國得到大眾認可, 智能投顧平台在中國開始萌芽,處於探索階段。在這樣的背景下, 本研究以中國智能投顧市場為研究對象,採用歸納法和對比分析 法,探究中國智能投顧業發展趨勢之相關實務。 本文根據前人的研究,對智能投顧的概念、特徵以及類型進 行了總結,歸納全球各國智能投顧業發展現況;根據中國財富管 理市場成熟程度來分析中國智能投顧業發展前景;參考美國智能 投顧發展模式和中國 P2P 網路借貸平台發展模式,歸納出適合中 國發展智能投顧業的經驗:1)讓傳統金融業者成為行業領導者, 2)明確服務範疇,規範從業證照,3)對算法進行嚴格監管,4) 發展被動型基金,財富管理市場產品多樣化,5)儘早建立完善 的風控體系;此外還根據各國智能投顧業之監管措施,對中國監 管機關􏰀出宏觀的監管建議,並希望此研究報告對之後想要進一 步研究智能投顧的學者􏰀供參考。

Made available in DSpace on 2016-04-27T16:33:04Z (GMT). No. of bitstreams: 1 Ana Paula Camilo Gabriel.pdf: 754954 bytes, checksum: e36fdc7afd9f8c32621590c63da85056 (MD5) Previous issue date: 2015-08-26 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / This research aims to examine the introduction of Educational Computing and its practices in the municipal schools of São Paulo. The study begins in 1994 with Decree 34.160/1994, which established Educational Computing Laboratories (LIEs) in the São Paulo Municipal Public School System, and continues until 2013 with the publishing of Decree 54.452/2013, which established within the Municipal Secretary of Education the program Mais Educação São Paulo , Program for Curricular and Administrative Reorganization, Amplification and Strengthening for the São Paulo Municipal School System. The analysis examines the legislation and official documentation as well as the pertinent bibliography. In order to verify which Educational Computing practices were developed, a case study was carried out at the municipal elementary school, EMEF Henrique Pegado. Using Oral History procedures, teachers involved narrated their trajectories as teacher-advisors in Educational Computing POIE, presented the concepts of Educational Computing that they adopted, described the infrastructure and logistical conditions encountered in Computer Laboratories and adaptations realized, and enumerated their practices in a variety of day-to-day activities / Esta pesquisa tem por objetivo examinar a introdução da Informática Educativa e as práticas que dela decorrem nas escolas municipais de São Paulo, abrangendo o período de 1994, quando o Decreto n. 34.160/1994 instituiu os Laboratórios de Informática Educativa-LIEs nas escolas da Rede Municipal de Educação de São Paulo, a 2013, ano da publicação do Decreto nº 54.45/13, que instituiu na Secretaria Municipal de Educação, o Programa de Reorganização Curricular e Administrativa, Ampliação e Fortalecimento da Rede Municipal de Ensino de São Paulo Mais Educação São Paulo . Para isso, recorreu-se à legislação e à documentação oficial, além da bibliografia pertinente. Para averiguar quais práticas escolares foram desenvolvidas pela Informática Educativa, realizou-se um estudo de caso da Escola Municipal de Educação Fundamental-EMEF Henrique Pegado, recorrendo aos procedimentos da História Oral, para que os professores envolvidos narrassem suas trajetórias como Professor Orientador em Informática Educativa-POIE, apresentassem as concepções de Informática Educativa que apropriaram, descrevessem as condições infraestruturais e de logística que encontraram nos Laboratórios de Informática e as adaptações efetuadas, contassem suas práticas em suas atividades diversificadas no dia-a-dia

Distance Education (DE) is a teaching modality capable of providing professional formation for people with limited access to university education. For this end, a set of computational tools is required in assisting the teaching and learning process (PEREIRA et al., 2006a). Moreover, some common obstacles for DE are the issues of identifying possible advisors for those students in the process of writing monographs and work overload. This has become an important issue for researches, placing their emphasis on the idea of working the interests of students, teachers and education managers. For such, this work used a quali-quantitative approach, in a way that data were collected in a Distance Learning Environment (DLE) and also by the application of a structured questionnaire to potential advisors. As such, this work has the objective of proposing a Computational Model of Social Combination that helps the DE Manager in the process of advisors planning for monograph works. This paper presents three computational tools developed by using genetic algorithms. These tools were applied according to the context of the DE undergraduate course of Information Systems offered by the Federal University of Alagoas and the Open University of Brazil. The results show that the proposed computational model can be used to help DE Managers to reduce the cases of students’ and advisors’ profiles incompatibility, as well as to reduce docent work overload. / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior / A Educação a Distância (EAD) é uma modalidade de ensino capaz de viabilizar a formação de profissionais com dificuldades de acesso à formação universitária. Para tanto, esta modalidade necessita dispor de um conjunto de ferramentas computacionais que viabilizem o processo de ensino aprendizagem (PEREIRA et al., 2006a). A identificação de possíveis orientadores e a sobrecarga de trabalho são algumas das dificuldades existentes neste processo. Pesquisas nesta área investem na idéia de trabalhar os interesses de alunos, professores e gestores da educação. Para tanto, esta pesquisa utilizou uma abordagem quali-quantitativa, de maneira que os dados foram coletados em um Ambiente Virtual de Aprendizagem (AVA), bem como através da aplicação de um questionário estruturado aos orientadores em potencial. Desta forma, este trabalho tem o objetivo de propor um Modelo Computacional de Combinação Social que auxilia o Gestor de EAD no processo de planejamento de orientadores de trabalhos monográficos. São apresentadas três ferramentas computacionais, desenvolvidas por meio de algoritmos genéticos, que foram aplicadas no âmbito do Curso de Bacharelado em Sistemas de Informação a Distância, ofertado pela Universidade Federal de Alagoas e Universidade Aberta do Brasil. Os resultados obtidos apontam que o modelo computacional proposto pode ser utilizado para auxiliar os gestores de EAD na redução dos casos de incompatibilidades de perfis de alunos e orientadores, bem como na redução da sobrecarga de trabalho dos docentes.