隨著科技的快速進步，各產業皆積極創新服務，以提供更有效率地方式來滿足消費者之需求。在金融業方面，隨著近年來金融科技(FinTech)之發展與推廣，亦提出多種創新服務供消費者使用。本研究主要探討之主題為針對台灣機器人理財之研究，機器人理財是指使用者通過業者推出之自動化、客製化之網路投資平台，對使用者之資料、風險接受程度、所定策略等，利用演算法進行資產配置的一種投資理財方式。透過探討台灣消費者對於機器人理財之態度與使用意願，以幫助企業、政府在台灣推動FinTech與機器人理財相關議題上發展策略。
本研究以科技接受模型為研究架構，並加入知覺相容性、知覺安全性與社會影響力來擴展模型，以多方角度深入探討影響消費者對機器人理財之態度與使用意願之影響。本研究共收集368份有效問卷，並使用結構方程模型(Structural Equation Modelling, SEM)進行資料分析。本研究結果發現，知覺相容性、知覺有效性、知覺易用性、知覺安全性與社會影響力皆會對消費者之態度有顯著影響。而使用態度具有顯著之中介效果，因此在提升消費者對機器人理財之使用意願中扮演一個相當重要的角色。透過提升消費者對機器人理財之正面態度，才能有效地提升其對機器人理財之使用意願。

With the rapid advancement of technology, various industry players are actively innovating services to provide more efficient ways to meet consumer demand. In the financial industry, with the development of financial technology, innovation services have also been proposed for consumer use. Robo-advisor refers to an investment and wealth management method that uses the algorithm to configure assets through the automation, customized network investment platform, user data, risk acceptance, and defined strategy introduced by the industry. The purpose of this research is to explore the factors may affect consumer’s attitude and intention to use and to provide the suggestion for finance company to plan the strategy to promote robo-advisor. The foundation of research framework bases on technology acceptance model. Besides, we add perceived compatibility, perceived security and social influence to use multiple perspectives to deeply explore the impact of consumers' willingness to use the robo-advisor. This study will use structural equation modeling (SEM) for data analysis. The results of the study found that perceived compatibility, perceived usefulness, perceived ease of use, perceived security, and social influence all have a significant impact on consumer attitudes. The attitude has a complete mediating effect and therefore plays an important role in increasing consumers' willingness to use robo-advisor. By enhancing the attitude of consumers, we can effectively increase its willingness to use robo-advisor.

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