Lucas Schneider Müller, Luís Guilherme Eich, Rosemary Francisco, J. Barbosa
{"title":"ADAM: An intelligent virtual assistant for personal financial management","authors":"Lucas Schneider Müller, Luís Guilherme Eich, Rosemary Francisco, J. Barbosa","doi":"10.1145/3535511.3535560","DOIUrl":null,"url":null,"abstract":"Context: According to the Serviço de Proteção ao Crédito (SPC Brasil), approximately 48% of Brazilians do not control their monthly budget. Problem: In addition, according to the Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC), the percentage of families that reported debts reached 76,3% in December 2021. This number indicates the need for solutions to help people manage their personal finances. Solution: This article proposes an intelligent virtual assistant model named ADAM to help manage personal finances. Considering the proliferation and accessibility of instant text messages applications, the model uses chatbots and Natural Language Processing (NLP) to extract information from sentences and texts. NLP allows better user interaction since the users can employ their natural language. IS Theory: The work was carried out following the Design Theory. In addition, the foundations of the Technology Acceptance Model (TAM) were also used mainly to evaluate the artifact. Method: The work adopted Design Science Research as a research method. Problem understanding and the construction of the artifact were carried out with the support of specialists in the finance area. Ten academic community participants and finance specialists evaluated the artifact. Summary of Results: Six users rated the artifact as easy to use and intuitive, facilitating the management of personal finances. Also, suggestions were made to improve the artifact. Contributions and Impact in the IS area: Among the main contributions, the intelligent virtual assistant model stands out, which uses NLP to facilitate interaction with people in managing their finances and bring more autonomy to them.","PeriodicalId":106528,"journal":{"name":"Proceedings of the XVIII Brazilian Symposium on Information Systems","volume":"3 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Proceedings of the XVIII Brazilian Symposium on Information Systems","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1145/3535511.3535560","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
Context: According to the Serviço de Proteção ao Crédito (SPC Brasil), approximately 48% of Brazilians do not control their monthly budget. Problem: In addition, according to the Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC), the percentage of families that reported debts reached 76,3% in December 2021. This number indicates the need for solutions to help people manage their personal finances. Solution: This article proposes an intelligent virtual assistant model named ADAM to help manage personal finances. Considering the proliferation and accessibility of instant text messages applications, the model uses chatbots and Natural Language Processing (NLP) to extract information from sentences and texts. NLP allows better user interaction since the users can employ their natural language. IS Theory: The work was carried out following the Design Theory. In addition, the foundations of the Technology Acceptance Model (TAM) were also used mainly to evaluate the artifact. Method: The work adopted Design Science Research as a research method. Problem understanding and the construction of the artifact were carried out with the support of specialists in the finance area. Ten academic community participants and finance specialists evaluated the artifact. Summary of Results: Six users rated the artifact as easy to use and intuitive, facilitating the management of personal finances. Also, suggestions were made to improve the artifact. Contributions and Impact in the IS area: Among the main contributions, the intelligent virtual assistant model stands out, which uses NLP to facilitate interaction with people in managing their finances and bring more autonomy to them.
背景:根据SPC Brasil的数据,大约48%的巴西人没有控制自己的月度预算。问题:此外,根据Pesquisa de Endividamento e Inadimplência do Consumidor (PEIC)的数据,2021年12月,报告债务的家庭比例达到76.3%。这个数字表明需要解决方案来帮助人们管理他们的个人财务。解决方案:本文提出了一种名为ADAM的智能虚拟助手模型来帮助管理个人财务。考虑到即时短信应用程序的激增和可访问性,该模型使用聊天机器人和自然语言处理(NLP)从句子和文本中提取信息。NLP允许更好的用户交互,因为用户可以使用他们的自然语言。IS理论:工作是按照设计理论进行的。此外,技术接受模型(TAM)的基础也主要用于评估工件。方法:采用设计科学研究作为研究方法。问题的理解和工件的构建是在财务领域专家的支持下进行的。10个学术社区参与者和金融专家评估了这个人工制品。结果总结:6位用户评价该产品使用方便、直观,便于个人理财管理。此外,还提出了改进工件的建议。在信息系统领域的贡献和影响:在主要贡献中,智能虚拟助理模型脱颖而出,它使用NLP来促进与人们管理财务的互动,并给他们带来更多的自主权。