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Hybride Robo-Advisors in Genossenschaftsbanken: Analyse, Entwicklung und Würdigung der Digitalisierung in der Anlageberatung

Author

Listed:
  • Helms Nils

    (Professor für Betriebswirtschaftslehre, insbesondere Financial Management und Valuation in Cooperatives, ADG Business School an der Steinbeis-Hochschule, Schloss Montabaur, 56410 Montabaur, Germany)

  • Marchewka Gabriel

    (ADG Business School an der Steinbeis-Hochschule, Schloss Montabaur, 56410 Montabaur, Germany)

Abstract

Der Beitrag untersucht, wie der Beratungsprozess in Genossenschaftsbanken durch hybride Robo-Advisors gestaltet werden kann. Unter Berücksichtigung genossenschaftlicher Werte werden die Robo-Advisory Nutzer, das Design und die Wirtschaftlichkeit analysiert. Die empirischen Ergebnisse zeigen, dass Kunden weiterhin großen Wert auf persönliche Beratung legen, während rein digitale Lösungen nur geringe Akzeptanz finden. Hybride Modelle verbinden digitale Effizienz mit individueller Ansprache und können von benutzerfreundlichem Design, Transparenz und individualisierbaren Elementen profitieren. Hybride Robo-Advisors können Effizienz und Wirtschaftlichkeit steigern, ohne das Identitätsmerkmal persönlicher Beratung zu gefährden.

Suggested Citation

  • Helms Nils & Marchewka Gabriel, 2026. "Hybride Robo-Advisors in Genossenschaftsbanken: Analyse, Entwicklung und Würdigung der Digitalisierung in der Anlageberatung," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 76(2), pages 125-152.
    • Handle: RePEc:bpj:zfgewe:v:76:y:2026:i:2:p:125-152:n:1003
    DOI: 10.1515/zfgg-2026-0009
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