Introduction.Nowadays, the problem of the optimal balance between consumption and savings, transformed into investments is solved by using automated systems for making investment decisions, such as roboadvice ser vices which have the mathematical algorithm based on the main principles of consumptionsavings theories.Problem Statement. The task assignment of developed IT service is to maintain a constant level of client's consumption during lifelong period through automated analysis of how much he/she has to consume and save each year. Results of consumption and savings proposals can be modified if initial financial data changes.Purpose. To develop investment plan of investors' profiles taking into account their risk preferences using data analysis of roboadviser service.Materials and Methods. SWOTanalysis of roboadvice (RA) services and comparative characteristics of roboadvisers explain advantage of RA services. Microservice for calculating stable consumption, finance con sulting model of roboadvisor to ensure a constant level of consumption for the client are developed using the following technologies: Python 3.6, Django 2.0, Django Rest framework, AngularJs, HTML5, CSS 3, Bootstrap.Results. We considered consumptionsaving ratio in economics, emerging trends of roboadvice (RA) services for making investment decisions. A mathematical model of roboadvisor in longrun period was developed and the support of investment decision making was described using microservice of roboadvisor.Conclusions. The development RA is intended primarily for private persons (investors) who invest in long term financial instruments in order to provide them with a permanent passive income based on their chosen sa vings period and the moment of retirement.
K e y w o r d s : roboadvisor, data analysis, long life decision making, annuity.the problem of the optimal balance between consumption and savings, transformed into investments, is one of the most important issues on all levels of economic system. this is explained by the fact that the equivalence between consumer and savings flows provides for internal and external equilibrium in the economics, and, therefore, a balanced economic growth and increase of economic and social welfare. as a result, the scholarly ap-
The system for remote assessment of knowledge automates formation of task (tickets) with questions and tasks for conducting intermediate and final monitoring of knowledge of students is offered. In the process of developing an electronic system for knowledge assessment, the basic requirements for a web application and the modules that the system consists of were determined, the main roles of users in the system and their functionality were identified, access rights were established. The technical, functional, and non-functional features of the software product are described, web technologies for creating an application for knowledge assessment are considered. The diagram of system sequences, the use-case diagram, which schematically describing roles and functions of agents in an information system, the diagram of classes of a database structure are presented with UML description. Based on the defined requirements for the resource in cloud-based learning environment, the following technologies for its development were chosen: the server programming language PHP, JavaScript programming language and its libraries were used, as well as the MySQL database with PhpMyAdmin tool for administration of chosen database management system. OpenServer software complex system was used to develop and test the application functionality. The usage of the proposed electronic assessment system of knowledge contributes to the formation of an open information and cloud-based learning environment of a modern educational institution, enhances the efficiency and more rational distribution of teacher time in preparing tests or exams, activates repetition of educational material and knowledge assimilation, indirectly motivates students to more honest learning.
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