Komparativní analýza faktorů ovlivňujících adopci Robo-advisory ve finančním sektoru

The aim of this thesis is to conduct a statistical comparison of consumer behavior in the Czech Republic and the United States using econometric modeling based on primary data. Quantifying the impact of key factors will help identify which factors are critical for the Czech market and develop specific strategic recommendations to accelerate and improve the efficiency of robo-advisory development in the Czech Republic. The theoretical section places the issue within the context of financial technology, while the empirical section subsequently analyzes primary survey data using binary logistic regression. The results show that while Czech investors are primarily motivated by fee savings, American investors place emphasis on expected performance. In the U.S., a negative effect of financial literacy was also observed, suggesting that experienced investors prefer to manage their portfolios independently. The conclusion forms practical recommendations for providers in both markets.