Biblio

FinBots are chatbots built on automated decision technology, aimed to facilitate accessible banking and to support customers in making financial decisions. Chatbots are increasing in prevalence, sometimes even equipped to mimic human social rules, expectations and norms, decreasing the necessity for human-to-human interaction. As banks and financial advisory platforms move towards creating bots that enhance the current state of consumer trust and adoption rates, we investigated the effects of chatbot vignettes with and without socio-emotional features on intention to use the chatbot for financial support purposes. We conducted a between-subject online experiment with N = 410 participants. Participants in the control group were provided with a vignette describing a secure and reliable chatbot called XRO23, whereas participants in the experimental group were presented with a vignette describing a secure and reliable chatbot that is more human-like and named Emma. We found that Vignette Emma did not increase participants' trust levels nor lowered their privacy concerns even though it increased perception of social presence. However, we found that intention to use the presented chatbot for financial support was positively influenced by perceived humanness and trust in the bot. Participants were also more willing to share financially-sensitive information such as account number, sort code and payments information to XRO23 compared to Emma - revealing a preference for a technical and mechanical FinBot in information sharing. Overall, this research contributes to our understanding of the intention to use chatbots with different features as financial technology, in particular that socio-emotional support may not be favoured when designed independently of financial function.

The development of future cyber terrorism scenarios is a key component in building a more comprehensive understanding of cyber threats that are likely to emerge in the near-to mid-term future. While developing concepts of likely new, emerging digital technologies is an important part of this process, this article suggests that understanding the psychological and social forces involved in cyber terrorism is also a key component in the analysis and that the synergy of these two dimensions may produce more accurate and detailed future cyber threat scenarios than either analytical element alone.

Open data is publicly available data that can be universally and readily accessed, used, and redistributed. Open data holds particular potential in the health and social sectors but, presently, health and social data are often published in a 'closed' format. There are different tools that allow to 'open' data, clean, structure and process them in order to elaborate them and build advanced services but, unfortunately, there is no single tool that can be used to perform all different tasks. We believe that the availability of Open Data in the health and social fields should be greatly increased and a way for creating new health and social services should be provided. In this paper, we present a framework that allows to create health and social Open Data starting from whatever is available on the web and to easily build advanced services based on those data.