Robotrådgivare har presenterat ett nytt sätt att hjälpa privatpersoner med investeringar. Istället för att ta hjälp av en mänsklig kapitalrådgivare, krävs ett par knapptryck på en dator för att få den investeringshjälp som behövs. Robotrådgivare har trots sina fördelar inte fått ett genomslag på marknaden. Orsaken till detta är låg kundupplevelse. Dagens forskning visar att konfigurationer av variabler som mål, värderingar, transparens, tid, risk och teknologi kan öka kundupplevelsen. För att undersöka om dessa variabler kan implementeras i praktiken, har en kvalitativ studie utförts bestående av sex intervjuer med företrädare från tre stora och tre små aktörer på den svenska robotrådgivningsmarknaden. Resultaten visar att vissa variabler anses vara viktigare än andra beroende på aktörernas marknadsställning. För stora aktörer är variablerna transparens, risk och tid i fokus. För små aktörer är variablerna teknologi, mål och värderingar i fokus.

Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro Tecnológico, Programa de Pós-Graduação em Engenharia de Automação e Sistemas, Florianópolis, 2017. / Made available in DSpace on 2017-06-27T04:19:23Z (GMT). No. of bitstreams: 1 346667.pdf: 9358541 bytes, checksum: 033a82eaa1a2438bea3ff3c054363e4a (MD5) Previous issue date: 2017 / A introdução de sistemas de visão computacional em robôs móveis se traduz em um significativo aumento de suas habilidades sensoriais, o que implica em uma maior versatilidade e segurança nas operações do robô. Armazenar e manipular todas as imagens percebidas por um robô durante sua tarefa de localização e mapeamento visual é tipicamente intratável para cenários reais. A alternativa adotada por este trabalho é representar o ambiente de forma topológica, onde alguns quadros são selecionados, chamados keyframes, e representam locais visualmente distintos do ambiente. Assim, cada nó do mapa proposto corresponde a um quadro-chave, descrito por um conjuntos de características locais obtidas pelos descritores SIFT, SURF, ORB, BRIEF e BRISK. A seleção destes descritores baseou-se nas avaliações anteriores encontradas na literatura e em uma série de testes que verificaram habilidades importantes no contexto proposto. Ao navegar em determinado ambiente, adquirir modelos 3D, que proporcionam uma compreensão muito mais abrangente do que mapas 2D, são de particular interesse para usuários remotos interessados no interior do ambiente que o robô percorre. O sistema proposto é baseado em registro de nuvens de pontos. Um Kinect acoplado ao robô captura imagens RGB e de profundidade, usadas para gerar nuvens de pontos que posteriormente são alinhadas na forma de registro, utilizando o alinhamento inicial SAC-IA com os descritores PFH e FPFH, e alinhadas através do algoritmo ICP. As métricas de avaliação demonstraram que os sistemas propostos são capazes de localizar o robô com precisão, encontrando a localização global ao longo de toda a trajetória, sendo capaz de resolver os problemas do robô sequestrado e do robô despertado. O algoritmo de alinhamento mostrou bons resultados quanto a capacidade de criar modelos compreensíveis, porém demanda um alto custo computacional. Desta forma, o presente trabalho propõe uma solução para que um robô acoplado com um Kinect percorra sua trajetória de forma autônoma, localizando-se e coletando nuvens de pontos que são usadas para criar um modelo 3D de seu ambiente de trabalho.<br> / Abstract : The introduction of computer vision systems in mobile robots translates into a significant increase in their sensory habilities, which implies greater versatility and security in robot operations. Storing and manipulating all the images perceived by a robot during its visual localization and mapping task is typically intractable for real scenarios. The alternative adopted by this work is to represent the environment in a topological form, where some frames are selected, called keyframes, and represent visually distinct locations from the environment. Thus, each proposed map node corresponds to a keyframe, described by a set of local characteristics obtained by SIFT, SURF, ORB, BRIEF and BRISK descriptors. The selection of these descriptors was based on previous evaluations found in the literature and on a series of tests that verified important skills in the proposed context. When navigating through a particular environment, acquiring 3D models, which provide a much more comprehensive understanding than 2D maps, are of particular interest to remote users interested in the interior of the environment that the robot traverses. The proposed system is based on 3D point cloud registration. A Kinect is coupled to the robot and captures RGB and depth images, which are used to generate point clouds, aligned in the registration form, using the SAC-IA initial alignment with the descriptors PFH and FPFH, and fully aligned through the ICP algorithm. The evaluation metrics demonstrated that the proposed systems are able to locate the robot with precision, being able to cope with the global localization problem throughout the whole trajectory, including the classic kidnapped robot and wake-up problems. The alignment algorithm showed good results in respect of creating comprehensive models, although it demands a high computational cost. Therefore, the present work proposes a solution for a robot coupled with a Kinect to traverse its path autonomously, locating itself and collecting point clouds that are used to create a 3D model of its work environment.

This thesis presents the results of a survey of 913 M-dwarf stars from the Lepine and Shara Proper Motion (LSPM) catalog within 33 parsecs. Data for these targets was collected with the Robo-AO camera on the Palomar 60” telescope. In order to determine which stars were in bound systems, the images with multiple stars, first observed in 2012, were observed again in 2014 to examine changes in separation and position angles. Stars with little change in position with respect to one another suggest they are common proper motion pairs. The Washington Double Star (WDS) catalog and other resources were used to further determine binarity. This research was conducted to improve upon the statistics of nearby multiple M-dwarf systems. Identifying and confirming multiple systems at both wide and small separations will improve our understanding of M-dwarf formation by comparing these results to existing star formation models.

No description available.

This study examines the influencing factors of robo-adoption among young adults in Sweden based on the unified theory of acceptance and use of technology (UTAUT). The objectives are also to examine what factors are influential based on the emotional intelligence of young adults and whether or not they possess a financial education. The study is conducted via a survey which was mainly distributed to students in business administration and economics at Linnaeus University during a six-week period. In total, 84 responses were collected, and 78 were used for further analysis via PLS-SEM. The results indicate that the perceived ease of use along with the perceived usefulness were the most influential factors of technology acceptance. The results also suggest that the human aspect of financial advisory is still important, however mitigated by the trust in the robo-advisor. This result was especially evident for individuals with higher emotional intelligence and no financial education. Lastly, the study concludes that the slow adoption rate of robo-advisors in Sweden could be attributable to the lack of capabilities of the robo-advisors on the Swedish market.

No description available.

Memoria para optar al grado de Licenciado en Ciencias Jurídicas y Sociales / A través de la presente memoria, se analizará la posible existencia de una relación entre la seguridad ciudadana, entendida como el temor de las personas a ser víctima de un delito, y la aplicación de algunos de los principales mecanismos del principio de oportunidad, como respuesta sistémica del Ministerio Público. Para ello, se estudiará la definición de cada uno de los conceptos mencionados, y en cada caso se tendrán en consideración datos estadísticos proporcionados por la ENUSC y Fiscalía de Chile, respecto a la Región Metropolitana entre los años 2010 y 2017. Todo lo anterior, enfocado en los delitos de robo con violencia, considerados como parte del grupo de delitos violentos o de mayor connotación social y como los que más han aumentado en la última década. Finalmente, se concluirá de qué manera se vinculan las variables estudiadas, lo cual pretende ser un reflejo objetivo de la percepción de la ciudadanía respecto a este tipo de delitos en el último tiempo

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.

Purpose: The purpose of this work is to analyze investors as well as analysts' views on the development of technology in Automated Trading recommendations in the stock market. Theoretical framework: The study is based on The Efficient Market Hypothesis. Method: The methodological framework of this thesis have included both a quantitative and qualitative approach. A deductive approach has been used. Empirical framework: Data was obtained from 206 members of the Swedish share savers association (Aktiespararna) plus 4 semi-structured interviews with advisers and analysts. Analysis: Data shows average investors do not trust, and are reluctant to take advice, from Robo-advisors but higher percentage of technically savvy traders rely on Robo-advisors. Most analysts perceive no threat to robo-advisor replacing their job. In fact they believed it could replace advisors job. Advisors believed the opposite. Conclusion: 67 % of the investors surveyed believed that in five years Roboadvisors will completely replace human advisors despite the fact that 82 % still liked and trusted recommendations made by humans more. Financial operators see Robo-advisors as a tool rather than threat and plan to integrate it in their own business.

Ingeniero Civil Matemático / La presente memoria busca ser un aporte en el estudio matemático de las ecuaciones de Pitcher, cuya finalidad es predecir la dinámica delictual asociada a robos residenciales. Los supuestos involucrados en su formulación muestran que este modelo constituye una aproximación en el análisis de esta realidad, lejos aún de reflejar a cabalidad su naturaleza. En el modelo están involucradas dos variables. La primera hace referencia a la atractividad de la región, mientras la segunda es la densidad de población criminal presente en el medio. La interacción entre ambas es gobernada por un sistema de ecuaciones diferenciales parabólicas del tipo reacción-difusión, que incluyen términos no lineales. Pitcher también propone incluir como una tercera variable al efecto disuasivo que produce la presencia de una fuerza policial en el medio, pero tal situación no se considerará debido a los alcances de este trabajo. Entender como se comportan las soluciones asociadas a las ecuaciones de Pitcher es fundamental por varios motivos, entre los cuales está situar los focos delictivos (hot spots) dentro de una región. Por ello, dotando al problema de condiciones de borde Neumann, la motivación central de esta memoria es contribuir a un estudio riguroso de la existencia de soluciones no constantes en el caso estacionario. El primer capítulo consta de una revisión y análisis de los modelos de Short et al., Pitcher, y Jones, Brantingham y Chayes, donde se establecen sus principales similitudes y diferencias. A continuación, en el segundo capítulo se presentan y demuestran los dos resultados centrales obtenidos en este trabajo: la existencia de ramas de bifurcación, que dependen tanto de los valores propios simples y positivos del operador $-\lap$ como de los parámetros del problema; y la estabilidad de tales ramas. Ambos resultados se derivan del uso de la teoría de bifurcaciones desarrollada por Shi y Wang y los teoremas clásicos de estabilidad de Crandall y Rabinowitz, y en conjunto proveen mayor información respecto al uso de inestabilidades de Turing en el caso no estacionario. Finalmente, se incluyen algunas simulaciones numéricas que, usando el método de elementos finitos y un algoritmo de punto fijo alternante, permiten visualizar el origen de tales ramas.