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Article

Examining Investor Interaction with Digital Robo-Advisory Systems: Green Value and Interface Quality in a Socio-Technical Context

by
Imdadullah Hidayat-ur-Rehman
1,*,
Mohammad Nurul Alam
2,
Majed Alsolamy
2,
Saleh Hamed H. Alharbi
2,
Tawfeeq Mohammed B. AlAnazi
3 and
Abul Bashar Bhuiyan
4
1
Department of MIS, Faculty of Business Administration, University of Tabuk, Tabuk 47512, Saudi Arabia
2
Department of Management, Faculty of Business Administration, University of Tabuk, Tabuk 47512, Saudi Arabia
3
Department of Marketing, Faculty of Business Administration, University of Tabuk, Tabuk 47512, Saudi Arabia
4
Jeffrey Sachs Center on Sustainable Development (JSC), Sunway University, Jalan Universiti, Bandar Sunway, Selangor 47500, Malaysia
*
Author to whom correspondence should be addressed.
Systems 2025, 13(9), 787; https://doi.org/10.3390/systems13090787 (registering DOI)
Submission received: 24 July 2025 / Revised: 30 August 2025 / Accepted: 2 September 2025 / Published: 7 September 2025

Abstract

The main objective of this paper is to examine the factors influencing investor intention to adopt robo-advisory services in Saudi Arabia, with a particular focus on sustainability and platform interface quality (PIQ) within a socio-technical framework. Drawing on the Diffusion of Innovation (DOI), Technology Acceptance Model (TAM), Value-Based Adoption Model (VAM), and Trust theory, the research integrates constructs such as Knowledge about Robo-Advisors (KRA), PIQ, Green Perceived Value (GPV), and Perceived Trust (PT). Data were collected through a structured questionnaire targeting financially active individuals, with 387 valid responses analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that KRA significantly influences Intention to Use Robo-Advisors (IURA) both directly and indirectly, through GPV and Relative Advantage (RA), with only marginal support observed for Perceived Usefulness (PU). PIQ strongly influences perceived ease of use (PEOU) and PU, contributing to IURA, while PT significantly moderates the effects of KRA and PIQ. Multi-group analysis (MGA) further highlights heterogeneity across age, education, and investment groups, underscoring the contextual nature of adoption. The study highlights the critical role of PT, PIQ, and GPV alignment in investor decision-making when engaging with robo-advisory platforms. It offers theoretical contributions by extending traditional adoption models through the inclusion of green value and interface quality, and practical implications for FinTech developers and policymakers aiming to build inclusive, trustworthy, and environmentally aligned robo-advisory platforms.
Keywords: Robo-Advisors; Socio-Technical Systems; Green Perceived Value; Platform Interface Quality; Sustainability in Digital Finance; Human–Computer Interaction Robo-Advisors; Socio-Technical Systems; Green Perceived Value; Platform Interface Quality; Sustainability in Digital Finance; Human–Computer Interaction

Share and Cite

MDPI and ACS Style

Hidayat-ur-Rehman, I.; Alam, M.N.; Alsolamy, M.; Alharbi, S.H.H.; AlAnazi, T.M.B.; Bhuiyan, A.B. Examining Investor Interaction with Digital Robo-Advisory Systems: Green Value and Interface Quality in a Socio-Technical Context. Systems 2025, 13, 787. https://doi.org/10.3390/systems13090787

AMA Style

Hidayat-ur-Rehman I, Alam MN, Alsolamy M, Alharbi SHH, AlAnazi TMB, Bhuiyan AB. Examining Investor Interaction with Digital Robo-Advisory Systems: Green Value and Interface Quality in a Socio-Technical Context. Systems. 2025; 13(9):787. https://doi.org/10.3390/systems13090787

Chicago/Turabian Style

Hidayat-ur-Rehman, Imdadullah, Mohammad Nurul Alam, Majed Alsolamy, Saleh Hamed H. Alharbi, Tawfeeq Mohammed B. AlAnazi, and Abul Bashar Bhuiyan. 2025. "Examining Investor Interaction with Digital Robo-Advisory Systems: Green Value and Interface Quality in a Socio-Technical Context" Systems 13, no. 9: 787. https://doi.org/10.3390/systems13090787

APA Style

Hidayat-ur-Rehman, I., Alam, M. N., Alsolamy, M., Alharbi, S. H. H., AlAnazi, T. M. B., & Bhuiyan, A. B. (2025). Examining Investor Interaction with Digital Robo-Advisory Systems: Green Value and Interface Quality in a Socio-Technical Context. Systems, 13(9), 787. https://doi.org/10.3390/systems13090787

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