Examining Technology Acceptance in AI-Driven Financial Investments: A Study of Robo-Advisor Adoption Among UAE Investors

This study explores the factors influencing the acceptance of artificial intelligence-based robo-advisor applications for stock trading among retail investors in the United Arab Emirates. The research is grounded in the Unified Theory of Acceptance and Use of Technology- 2 and the TaskTechnology Fit model. The questionnaires were adapted form previous syudies. The data was gathered through an online survey targeting United Arab Emirates investors using Artificial Intelliegnce robo-advisors for stock trading or financial investments, resulting in a sample of 254 respondents. This study used partial least squares structural equation modeling for data analysis. The findings indicate that all constructs, except habit, significantly influence the acceptance of Artificial Intelliegne based robo-advisors for financial investments among United Arab Emirates investors.