In consideration of the general lack of trust in human professional financial advisors due to conflicts of interest, and given inadequacies in terms of the utility of FinTech alternatives for financial goal recommendations, this study establishes a framework for an ontology-based, multiagent recommender system designed to improve financial capability through the recommendation of financial goals, called FinPathlight. The FinPathlight framework provides an architecture for a personal financial recommender system designed to identify and recommend specific, achievable financial goals appropriate to a wide range of financially situated users. This framework contributes principles of implementation for a novel financial technology (FinTech) application aimed at addressing a pervasive lack of trust surrounding traditional financial advisory services, as well as utility inadequacies within the current landscape for FinTech applications, providing a comprehensive set of practical and explicit financial goal recommendations. Considering the importance of users' adoption of an innovation, this study empirically tests its utility in terms of trust and perceived usefulness. The experimental evaluation results show that an application built using this framework would likely be perceived as trustworthy and useful to users for identification and selection of financial capability enhancing objectives.

考虑到由于利益冲突而普遍缺乏对人类专业财务顾问的信任，并且考虑到金融技术推荐的金融科技替代方案的效用不足，本研究建立了一个基于本体的，多代理推荐系统的框架通过建议财务目标（称为FinPathlight）来提高财务能力。该FinPathlight该框架为个人财务推荐器系统提供了一种体系结构，该体系结构旨在识别和推荐适合各种财务状况良好的用户的特定，可实现的财务目标。该框架为新颖的金融技术（FinTech）应用程序的实施原理做出了贡献，该应用程序旨在解决围绕传统金融咨询服务的普遍缺乏信任以及金融科技应用程序在当前形势下的效用不足，从而提供一整套实用且明确的功能。财务目标建议。考虑到用户采用创新的重要性，本研究从信任和感知有用性的角度对其效用进行了实证检验。