Artificial intelligence-based investment services (robo-advisors) are becoming increasingly commercialized. Robo-advisors are expected to expand further due to the enhancement of accessibility to investment for general investors through customized portfolio selection and automated transactions established upon the artificial intelligence-based algorithm. This study comprehensively investigates factors that influence acceptance intention of and resistance to robo-advisors using a combined model of technology acceptance model and innovation resistance model. The model was examined through conducting a choice-based conjoint analysis of 158 users with investment experience and age ranging from 20s to 60s. The independent variables of the research for robo-advisors are transparency, customization, social presence, and user control. The effects of the independent variables on acceptance intention and innovation resistance are analyzed, respectively, through mediator variables of perceived usefulness, perceived complexity, and perceived safety. This study indicates the fundamental factors for the promotion of the domestic robo-advisor market based on the analysis of further advanced overseas robo-advisor markets. The significance of this study derives from providing implications on the direction of development for companies or financial institutions in the sphere of robo-advisors.
Lung function is often impaired in diabetic patients, especially in a restrictive pattern, which has recently been described as the diabetic lung. Since hypertension (HTN) is common in diabetic patients, our study investigated whether HTN acts as an aggravating factor in diabetic lung. Within the cross-sectional study from the 6th Korean National Health and Nutrition Examination Survey (KNHANES), fasting plasma glucose (FPG), blood pressure (BP), pulmonary function, and laboratory data were examined in 4644 subjects aged between 40 and 79 years. A multivariate regression model was used to investigate the relationship between BP, FPG, and pulmonary function. Lung function was significantly reduced in the HTN (p = 0.001), impaired fasting glucose (IFG) (p < 0.001), and diabetes mellitus (DM) (p < 0.001) groups. Next, a multivariate logistic regression model was used to derive the odds ratio (OR) of reduced lung function based on the presence of IFG, DM, and HTN. The OR of reduced forced vital capacity (FVCp < 80%) was 3.30 (p < 0.001) in the HTN-DM group and 2.30 (p < 0.001) in the normal BP-DM group, when compared with the normal BP-normal FPG group. The combination of HTN and DM had the strongest negative effect on FVC. The results presented in this study indicate that diabetes and hypertension have a synergistic association with impaired lung function.
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