130 research outputs found
Social inclusion and inclusive education
No full textThe key question addressed in this article is social inclusion, as an opposite concept of social exclusion. The author provides a historical of social inclusion/exclusion terminology. Further, some of the principles of social inclusion are presented.
A brief review of the literature provides key views and theories of social inclusion.
In particular, the author brings to attention that the included/excluded dualism apparent in the writings of social inclusion and exclusion cannot be taken at face value.
In line with global debate on social inclusion and exclusion, the author brings the way this debate has now pervaded both the official and development policy discourse in Albania.Social inclusion is considered as one of the priorities of the current government, with poverty reduction as its main focus, which will be ensured not only through economic development.
In the end, the article focuses on the role of education as a very important and useful tool for ensuring social inclusion.Social inclusion through education, in particular through vocational education, considered by the author as the only way towards sustainable development of Albanian society
Two New Philosophical Problems for Robo-Ethics
No full textThe purpose of this paper is to describe two new philosophical problems for robo-ethics. When one considers the kinds of philosophical problems that arise in the emerging field of robo-ethics, one typically thinks of issues that concern agency, autonomy, rights, consciousness, warfare/military applications, employment and work, the impact for elder-care, and many others. All of these philosophical problems are well known. However, this paper describes two new philosophical problems for robo-ethics that have not been previously addressed in the literature. The author’s view is that if these philosophical problems are not solved, some aspects of robo-ethics research and development will be challenged
Robo-Sensei's NLP-Based Error Detection and Feedback Generation
No full textThis paper presents a new version of Robo-Sensei's NLP (Natural Language Processing) system which updates the version currently available as the software package ROBO-SENSEI: Personal Japanese Tutor (Nagata, 2004). Robo-Sensei's NLP system includes a lexicon, a morphological generator, a word segmentor, a morphological parser, a syntactic parser, an error detector, and a feedback generator. The present paper focuses on the error detector and the feedback generator and describes how those components are integrated into Robo-Sensei's NLP system, what types of errors are detected, and what kinds of feedback messages are generated. The author is currently developing a new Robo-Sensei online textbook (Nagata, in press). The updated system is the NLP processing engine behind the new textbook.</jats:p
Does robo-advisory increase retirement worry? A causal explanation
No full textPurpose
Artificial intelligence and robo-advisory have become prevalent in the finance industry, and many people rely on robots instead of humans for financial advice. This study aims to examine whether robo-advisory increases retirement worry based on agency theory and rational choice theory.
Design/methodology/approach
The present study investigate whether relying on robots for financial advice increases retirement-related worry in the present study. Using a sample of 1915 investors from the National Financial Capability Study (NCFS) survey, the author conducted instrumental variable regression analysis to examine the causal linkage.
Findings
Using fear of financial fraud as an instrument variable, the study provides a causal explanation of the linkage between robo-advisory usage and retirement worry. After controlling for sociodemographic and financial literacy-related variables, it is found that robo-advisory increases retirement worry.
Originality/value
Findings of the study emphasize on downsides of the artificial intelligence-enabled robo-advisory for financial planning. This article provides evidence that a lack of human involvement in financial planning may lead to increased worry among investors, which calls for attention from the regulators and policymakers
The evolution of financial advice: a study of robo-advisors in the italian market
No full textLAUREA MAGISTRALEIl presente lavoro si pone l’obiettivo di dare una visione d’insieme del fenomeno della consulenza automatizzata in Italia (cd. Robo-advising). Partendo da una tassonomia del robo-advisor, si arriva a presentare le caratteristiche di tutti gli attori che operano nel paese. Dopo una estesa analisi dei principali problemi legali e legati all’impatto sull’industria e sui clienti, l’autore effettua un’innovativa analisi delle performance di tre robo-advisor italiani nel periodo 2017-2023. Si giunge alla conclusione che le performance di questi consulenti sono molto variegate ma, per alcuni, positive almeno in termini di riduzione del rischio e miglior rapporto rischio/rendimento. I robo-advisor appaiono dunque, se pur con alcune criticità legate alla effettiva personalizzazione del consiglio, un’alternativa competitiva rispetto alla consulenza finanziaria tradizionale e al fai da te, soprattutto per quei clienti con patrimoni bassi, scarsa educazione finanziaria e/o esigenze finanziarie non complesse. Gli stessi riescono infatti a fornire consulenza finanziaria a prezzi accessibili anche per piccoli patrimoni e con una qualità della stessa soddisfacente se pur ancora non all’altezza di quella di un consulente umano qualificato, sia in termini di personalizzazione che di possibili criticità legate alla gestione di bias noti della finanza comportamentale.This paper aims to give an overview of the phenomenon of automated advising in Italy (so-called Robo-advising). Starting with a taxonomy of the robo-advisor, it goes on to present the characteristics of all the players operating in the country. After an extensive analysis of the main legal and impact-related issues on the industry and clients, the author performs a groundbreaking analysis of the performance of three Italian robo-advisors over the period 2017-2023. He concludes that the performance of these advisors is highly varied but, for some, positive at least in terms of risk reduction and better risk/return ratio. Robo-advisors thus appear, albeit with some critical issues related to the effective personalization of advice, to be a competitive alternative to traditional financial advice and do-it-yourself, especially for those clients with low assets, little financial education and/or non-complex financial needs. Robo-advisors effectively offer financial advice at accessible prices for clients with low assets, achieving a level of service quality that is commendable, though not yet equivalent to that provided by a qualified human advisor. This is true in aspects of personalization and addressing the potential challenges that arise from known biases in behavioral finance
Structural Principles in Robo Activation and Auto-Inhibition
No full textThis is the author accepted manuscript. The final version is available from Elsevier (Cell Press) via the DOI in this record.Proper brain function requires high-precision neuronal expansion and wiring, processes controlled by the transmembrane Roundabout (Robo) receptor family and their Slit ligands. Despite their great importance, the molecular mechanism by which Robos’ switch from “off” to “on” states remains unclear. Here, we report a 3.6 Å crystal structure of the intact human Robo2 ectodomain (domains D1–8). We demonstrate that Robo cis dimerization via D4 is conserved through hRobo1, 2, and 3 and the C. elegans homolog SAX-3 and is essential for SAX-3 function in vivo. The structure reveals two levels of auto-inhibition that prevent premature activation: (1) cis blocking of the D4 dimerization interface and (2) trans interactions between opposing Robo receptors that fasten the D4-blocked conformation. Complementary experiments in mouse primary neurons and C. elegans support the auto-inhibition model. These results suggest that Slit stimulation primarily drives the release of Robo auto-inhibition required for dimerization and activation.ICRFIS
ROBO CON VIOLACIÓN
No full textThis work analyses and criticises the crime of “robbery with rape” as stated in article 433 N°1 of the Chilean Criminal Code. The author asserts that this norm is not only inconvenient according to legislative technique criteria, but it also infringes the Constitution. In relation to the nature of the norm, the author propounds that it does not involve a criminal offence but a rule to determine the punishment for someone who has committed both crimes within the same factual context. Building on this premise, the author analyses its consequences in the subject areas of perpetration, incitement and accessoryship, iter criminis and altering circumstances of criminal responsibility.El artículo examina desde una perspectiva dogmática y crítica la figura de robo con violación que contempla el artículo 433 N° 1 del Código Penal, postulando que ella no sólo es inconveniente, según criterios de técnica legislativa, sino que incluso vulnera la letra de la Constitución. Por lo que respecta a la naturaleza de la disposición, el autor plantea que ella en realidad no contempla un tipo penal, sino una regla de penalidad aplicable a quien hubiere ejecutado las dos acciones delictivas nombradas en un mismo contexto situacional. A partir de esa premisa, examina las consecuencias que este planteamiento trae consigo en materia de autoría y participación, iter criminis y circunstancias modificatorias de responsabilidad penal
Feeding the Coffee Habit: A Longitudinal Study of a Robo-Barista
No full textStudying Human-Robot Interaction over time can provide insights into what
really happens when a robot becomes part of people's everyday lives. "In the
Wild" studies inform the design of social robots, such as for the service
industry, to enable them to remain engaging and useful beyond the novelty
effect and initial adoption. This paper presents an "In the Wild" experiment
where we explored the evolution of interaction between users and a
Robo-Barista. We show that perceived trust and prior attitudes are both
important factors associated with the usefulness, adaptability and likeability
of the Robo-Barista. A combination of interaction features and user attributes
are used to predict user satisfaction. Qualitative insights illuminated users'
Robo-Barista experience and contribute to a number of lessons learned for
future long-term studies.Comment: Author Accepted Manuscript, 8 pages, RO-MAN'23, 32nd IEEE
International Conference on Robot and Human Interactive Communication
(RO-MAN), August 2023, Busan, South Kore
Der Onboarding Prozess der Robo Advisor im Finanzsektor
No full textDie vorliegende Bachelorarbeit zum Thema „Der Onboarding-Prozess der Robo-Advisors im Finanzsektor“ beschäftigt sich mit dem Ablauf des Online-Beratungsprozesses dreier renommierter deutschsprachiger Finanzunternehmen: Scalable Capital, Savity und Quirion. Im Zeitalter der Digitalisierung treten immer mehr Anbieter von Robo-Advisors hervor und es gilt zu erforschen, inwieweit die vollautomatisierten Abläufe zielführend sind.
Die Onboarding-Prozesse wurden von der Autorin und durch Testpersonen durchgeführt und auf relevante Kriterien untersucht. Unterstützend wurde zur Meinungsbildung mit einem ergänzenden Fragebogen zu den grundlegenden Themen, wie z.B. der Optik oder der Verständlichkeit, gearbeitet. Als unterstützendes Tool zur Analyse der Onboarding-Prozesse wurde ein Eyetracker verwendet. Die Auswertung der Augenbewegung gibt Aufschluss darüber, auf welche Bildschirmbereiche die ProbandInnen verstärkt achten.
Kernfrage im Hinblick auf das gewünschte Endergebnis ist, inwieweit ein automatisierter Beratungsprozess menschliche Beratungsprozesse durch MitarbeiterInnen in Bankfilialen oder Vermögensberatungen ersetzen kann. Ein Vorteil ist definitiv die schnelle und vor allem objektive Online-Beratung, kombiniert mit deutlich niedrigeren Kosten. Robo-Advisors bieten Privatpersonen die Möglichkeit, mit kleinen bis mittleren Vermögen schnell und effektiv Geld anzulegen. Als Defizit kann die limitierte Produktpalette gesehen werden, da sich die Robo-Advisors auf ETFs beschränken und eine Beratung ande-rer Anlageformen nicht angeboten wird. Robo-Advisors ersetzen daher zwar nicht die Filialberatungen, stellen aber eine große Konkurrenz dar.
Die Arbeit endet mit einem Vergleich der drei Onboarding-Prozesse und einem abschließenden Fazit. Die Abschlussarbeit richtet sich sowohl an potenzielle KundInnen als auch an die einschlägigen Unternehmen, die einen Mehrwert durch die Vergleichsgestaltung erlangen können.This bachelor thesis on "The Onboarding Process of Robo Advisors in the Financial Sector" deals with the online consulting process of three renowned German-speaking financial companies; Scalable Capital, Savity and Quirion. In the age of digitalization, more and more providers of Robo Advisors are emerging, and it deems necessary to investigate to what extent the fully automated processes render the desired results.
The onboarding processes are carried out by the author and by several test persons and shall be assessed with regard to all relevant criteria. Moreover, a supplementary questionnaire on basic topics such as design or comprehensibility is provided to gain information on opinionforming. An eye tracker is used as a supporting tool to analyse the onboarding processes. The evaluation of eye movement provides information about which screen areas the test persons pay more attention to.
The key question with regard to the objective of this thesis is whether and, if so, to what extent an automated advisory process can replace personal consultation by employees in bank branches or investment advisory services. Its specific advantage can clearly be seen in the promptness and inherent objectivity of online consulting combined with sig-nificantly lower costs for customers. Robo Advisors offers private individuals with small to mediumsized assets the opportunity to invest money quickly and effectively. On the other hand, the limited product range can be seen as a detriment, as Robo Advisors are limited to ETFs whereas advice on other forms of investment is not offered. Therefore, it can be said that Robo Advisors do not replace branch advice, but they do represent a major competitor.
The paper ends with a comparison of the three investigated onboarding processes and a final conclusion. The thesis is aimed at potential clients as well as at the relevant companies that can gain added value from the comparison.eingereicht von: Viktoria SchinaglGraz, Fachhochschule Joanneum, Bachelorarb., 202
Der Onboarding Prozess der Robo Advisor im Finanzsektor
No full textDie vorliegende Bachelorarbeit zum Thema „Der Onboarding-Prozess der Robo-Advisors im Finanzsektor“ beschäftigt sich mit dem Ablauf des Online-Beratungsprozesses dreier renommierter deutschsprachiger Finanzunternehmen: Scalable Capital, Savity und Quirion. Im Zeitalter der Digitalisierung treten immer mehr Anbieter von Robo-Advisors hervor und es gilt zu erforschen, inwieweit die vollautomatisierten Abläufe zielführend sind.
Die Onboarding-Prozesse wurden von der Autorin und durch Testpersonen durchgeführt und auf relevante Kriterien untersucht. Unterstützend wurde zur Meinungsbildung mit einem ergänzenden Fragebogen zu den grundlegenden Themen, wie z.B. der Optik oder der Verständlichkeit, gearbeitet. Als unterstützendes Tool zur Analyse der Onboarding-Prozesse wurde ein Eyetracker verwendet. Die Auswertung der Augenbewegung gibt Aufschluss darüber, auf welche Bildschirmbereiche die ProbandInnen verstärkt achten.
Kernfrage im Hinblick auf das gewünschte Endergebnis ist, inwieweit ein automatisierter Beratungsprozess menschliche Beratungsprozesse durch MitarbeiterInnen in Bankfilialen oder Vermögensberatungen ersetzen kann. Ein Vorteil ist definitiv die schnelle und vor allem objektive Online-Beratung, kombiniert mit deutlich niedrigeren Kosten. Robo-Advisors bieten Privatpersonen die Möglichkeit, mit kleinen bis mittleren Vermögen schnell und effektiv Geld anzulegen. Als Defizit kann die limitierte Produktpalette gesehen werden, da sich die Robo-Advisors auf ETFs beschränken und eine Beratung ande-rer Anlageformen nicht angeboten wird. Robo-Advisors ersetzen daher zwar nicht die Filialberatungen, stellen aber eine große Konkurrenz dar.
Die Arbeit endet mit einem Vergleich der drei Onboarding-Prozesse und einem abschließenden Fazit. Die Abschlussarbeit richtet sich sowohl an potenzielle KundInnen als auch an die einschlägigen Unternehmen, die einen Mehrwert durch die Vergleichsgestaltung erlangen können.This bachelor thesis on "The Onboarding Process of Robo Advisors in the Financial Sector" deals with the online consulting process of three renowned German-speaking financial companies; Scalable Capital, Savity and Quirion. In the age of digitalization, more and more providers of Robo Advisors are emerging, and it deems necessary to investigate to what extent the fully automated processes render the desired results.
The onboarding processes are carried out by the author and by several test persons and shall be assessed with regard to all relevant criteria. Moreover, a supplementary questionnaire on basic topics such as design or comprehensibility is provided to gain information on opinionforming. An eye tracker is used as a supporting tool to analyse the onboarding processes. The evaluation of eye movement provides information about which screen areas the test persons pay more attention to.
The key question with regard to the objective of this thesis is whether and, if so, to what extent an automated advisory process can replace personal consultation by employees in bank branches or investment advisory services. Its specific advantage can clearly be seen in the promptness and inherent objectivity of online consulting combined with sig-nificantly lower costs for customers. Robo Advisors offers private individuals with small to mediumsized assets the opportunity to invest money quickly and effectively. On the other hand, the limited product range can be seen as a detriment, as Robo Advisors are limited to ETFs whereas advice on other forms of investment is not offered. Therefore, it can be said that Robo Advisors do not replace branch advice, but they do represent a major competitor.
The paper ends with a comparison of the three investigated onboarding processes and a final conclusion. The thesis is aimed at potential clients as well as at the relevant companies that can gain added value from the comparison.eingereicht von: Viktoria SchinaglGraz, Fachhochschule Joanneum, Bachelorarb., 202
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