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Demographic and Socio-Economic Factors as Barriers to Robo-Advisory Acceptance in Poland

100%
Piotrowski D.
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
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2022
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vol. 56
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issue 3
109-126
EN
Theoretical background: One manifestation of the use of artificial intelligence technology in financial services is robo-advisory. Automated assistants are used in the area of communication with consumers and the sale of financial products. The development of robo-advisory services may contribute to increasing the availability of financial services and the cost efficiency of banks’ operations. So far, however, robo-advisory has not been widely used in bank services, and the reasons for this can be seen in the lack of wide acceptance of robo-advisory by bank customers, among other things.Purpose of the article: The aim of this paper is to identify barriers to the acceptance of robo-advisory in the services of banks operating in Poland. Variables relating to the demographic and socio-economic characteristics of consumers were analysed. Knowledge in this area can provide banks with a practical guideline for activities aimed at increasing acceptance of artificial intelligence technology and wider use of robo-advisory in financial services.Research methods: The paper uses the results of a survey conducted in October 2020 regarding the application of artificial intelligence technology in the banking sector in Poland. The survey included a representative sample of 911 Polish citizens aged 18–65. A multinomial logit model was employed to identify variables that represent significant barriers to robo-advisory acceptance in financial services.Main findings: The conducted research helped identify the barriers to acceptance of robo-advisory among consumers in Poland. A low propensity to use robo-advisory in bank services is characteristic of respondents from older age groups, as well as those who do not show a predilection for testing new technological solutions. Lack of experience in using investment advisory services and customer concerns about the misuse of personal data by banks are also significant barriers.
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Privacy frontiers in customers' relations with banks

100%
Piotrowski D.
Economics and Business Review
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2023
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vol. 9
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issue 1
119-141
XX
The widespread use of digital technologies in banking allows banks to obtain and analyse huge amounts of data from different communication channels. While this phenomenon is conducive to improving the quality of services it also increases the risk of privacy breaches. The aim of this study is to identify what factors determine consumer acceptance of banks' use of public access personal data found on social media accounts. The results indicate the importance of the ifnancial incentive and consumers' assessment of banks' information activities regarding the processing of personal data. Determinants relating to the technological sophisti cation of respondents were also found to be significant, with a particular focus on the ethical evaluation of deci sions made by Arfticial Intelligence algorithms. The results of the work may be used by banks in practice to adapt the area of personal data management to the requirements of e-privacy and Trustworthy Artifcial Intelligence.
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Etyka w bankowości

100%
Mierzejewska A.
Język. Religia. Tożsamość
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2021
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issue 2(24) B
167-178
EN
The article presents the rich and complex ethics related to business activity, including banking. The basic issues in this field were presented, taken both from the literature on this subject and from banking practice, by reviewing the ethical values contained in the „Code of Banking Ethics”, a set of rules of conduct related to the activities of banks. It also presents the current economic and financial situation of the Polish banking sector, as well as the evolution of transformations and changes taking place in banking over the years. The implementation of the set goal required the following research methods: scientific observation based on a review of the available literature, studies and source materials from the banking sector, along with analysis and inference.
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Consumer perceived ethicality of banks in the era of digitalisation: The case of Poland

86%
Piotrowski D.
Economics and Business Review
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2022
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vol. 8
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issue 1
90-114
EN
Ethically conducted business has a positive impact on consumer trust, satisfaction and loyalty. eTh aim of this paper is to identify the bank activities that customers perceive as ethical and to what extent they aefct consumer perceived ethicality. eTh binomial logit model applied in this study demonstrates that the honesty of ifnancial advice, use of e-banking services and use of artificial intelligence technology to improve the quality of banking services have a significantly positive impact on consumers' perception of banks in Poland as ethical institutions. Significant variables that negatively inuflence consumer perceived ethicality include gender, education, use of ifnancial advisory services, banks' manipulation of information about financial products and use of personal data against the will of customers.
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