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1、机器人和真人我们更愿意相信谁KellyFisherstartedusingarobo-advisorayearandahalfagobecauseshethoughtitwouldbemoreconvenientandeasierthaninvestingthroughahumanadvisor.Whatshedidn’tanticipate,though,wasjusthowmuchmoretruthfulshewouldbewithanautomatonratherthanaliving,breathingperson
2、sittingacrossthedesk.Whensomeonestartsaskingmeaboutmynetworth,Igetuncomfortable.Witharobo-advisorthere’snojudgement.TheSanFrancisco-basedretailexecutivehasabout$8,000investedinaccountswithrobo-advisors.Thesearesitesthataskaseriesofquestionsandthentheymatchafundwit
3、hthatinvestor’srisktoleranceandlifestyle.Fisherdoesn’thaveanythingtohidebyusingthesewebsites,butshesaysit’shumannaturetojudge,andthat’smadeituncomfortableforhertoopenuptoahumanfinancialexpert.Witharobo-advisor,Fishercanbemorehonestaboutwhereshestandsfinancially.“W
4、hensomeonestartsaskingmeaboutmynetworth,that’swhenIgetuncomfortable,”Fishersaid.“Witharobo-advisorthere’sdefinitelynojudgment.There’snostigmaoverhaving…debtordecidingthatyouwanttospendmoneyonavacationoraboutcomingintoawindfall.”Fisher’scomfortwithacomputerisn’tunu
5、sual–there’sagrowingbodyofresearchshowingthatpeopletrustrobotsandautomatedonlineformsmorethanhumans.That’sonebigreason,beyondlowercosts,whyrobo-advice–whichisexpectedtohaveastaggering$2.2trillioninassetsundermanagementby2020,upfrom$50bntoday–maybecomethepreferredw
6、ayforindividualstoinvest.GaleLucas,directorofresearchatDallas,Texas-basedOrganizationalWellnessandLearningSystems,hasbeenstudyingrobot-humantrustforyears.She’sfoundthatpeoplereallyaremoretruthfulwhentheydiscloseinformationtoacomputer.Thatgoesforbothgeneralquestion
7、saswellasmoreintimatedetails.Theeffectonhigherratesof“honestresponding…areespeciallystrongwhentheinformationisillegal,unethical,orculturallystigmatised,”shewroteina2014paper.Peoplearemoreopenwithautomatedtoolsbecausetheybelievecomputersdon’tjudgeandthatthey’remore
8、ethical.Financeswouldfallintothatlattercategory,Lucasexplained.Debt,forinstance,hasanegativeconnotationattachedtoit.Peoplefeeluncomfortablediscussingita
