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.

Behavioral realism and realistic interactions are major criteria for improving social presence in virtual reality environments. We focus on multi-party VR applications where computer agents and avatars interact, share and collaborate with each other using objects. Our formulation employs realistic animations to simulate human-like behavioral motions of computer agents while they interact with avatars to enhance the sense of social presence in the VR environment. We exemplify our proposed model in a VR volleyball game setup. We model specific underlying interactions like gazing, collision detection and miscellaneous reactions (like how to pick a volleyball, how to transfer the ball to server) between computers players and avatars in the VR Volleyball game. We conduct a preliminary user survey to illustrate the significance of inclusion of realistic interactions for improving sense of social presence in a multi-party VR environment.