In this paper, we investigate the potential demand of robo-advisory among Millennials and the Generation Z. Using data from a survey that we designed and fielded in Italy, we show that individuals with an advanced level of financial knowledge are more likely to be potential users of robo-advisors. We also find that only online activities that entail a financial component, such as buying online and making digital payments, are predictive of being interested in the delivery of financial advice through digital platforms. On the other end, non-financial online activities are not associated with the interest in a FinTech robo-advising tool.

中文翻译：

---

机器人顾问在年轻一代中的潜在用途：来自意大利的证据

在本文中，我们调查了千禧一代和 Z 一代对机器人咨询的潜在需求。使用我们在意大利设计和开展的一项调查的数据，我们表明具有高级金融知识的个人更有可能成为潜在客户机器人顾问的用户。我们还发现，只有涉及金融成分的在线活动，例如在线购买和进行数字支付，才能预测对通过数字平台提供财务建议感兴趣。另一方面，非金融在线活动与对金融科技机器人咨询工具的兴趣无关。