Human interaction with automated aids: Implications for robo-advisors

Megan Bartlett, Jason McCarley

Research output: Contribution to journalArticlepeer-review


Robo-advisors, a type of automated decision aid, offer consumers a cost-efficient
alternative to traditional financial advisory services. Because aids do not always
produce correct judgments, however, users may fail to act appropriately on their
advice. To anticipate and protect against suboptimal aid use, designers need to
understand the variables that influence automation trust and dependence,
including the operators' inherent biases, and the characteristics of the automated
system itself. This paper reviews the literature on human interaction with decision aids, aiming to inform the design of robo-advisory platforms.
Original languageEnglish
Article numbere1059
Pages (from-to)1
Number of pages11
JournalFinancial Planning Review
Issue number3-4
Publication statusPublished - 6 Nov 2019


  • automation
  • financial planning
  • fintech
  • psychology and human decision making
  • robo-advisor


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