This questionnaire is submitted as part of the VMG project "Gender differences in the knowledge and use of Fintech products: is there a role for transparency?" within the European CA19130 project Fintech and Artificial intelligence in Finance. We thank you for your participation in the success of the study. For any information, please contact alessandra.tanda@unipv.it For more information on the CA19130 project, you can view the link https://fin-ai.eu/ The information provided will be used in an aggregate and anonymous manner. The answers must be given by referring to your cohabiting family unit, unless otherwise specified. When referring to the respondent, it refers to the main income earner within the family unit, or the representative member of the family (e.g. parent, guardian ...). Filling in the questionnaire is optional and can be stopped at any time. The answers will be collected and processed by the University of Pavia anonymously, for research and statistical analysis purposes on aggregate or anonymous data, without the possibility of identifying the User. The Google module is included in the Google Apps for Education under the contract with the University and acts as an external manager pursuant to art. 28 of EU Regulation 2016/679. There is no profiling activity.

Fintech products are gaining popularity and pose real competition to traditional banking. According to the 2019 FIS PACE study, 73% of consumer banking interactions are digital. Fintech startups have already raised a record $100M in Q2 2020 and, apparently, have cracked the secret to success -- better CX and personalized customer service. Direct-to-consumer banks have the highest consumer satisfaction outpacing credit unions. Digital banks also have the lowest rate of customer churn.

They didn't get to be division heads and CEOs by robotically following some leadership checklist. Of course, intuition and instinct can be important leadership tools, but not if they're indiscriminately applied. The rise of artificial intelligence has exposed flaws in traits we have long valued in executive decision makers. Algorithms have revealed actions once considered prescient to be lucky, decision principles previously considered sacred to be unproven, and unwavering conviction to be myopic. Look no further than the performance of actively managed investment funds to see the shortcomings of time-honored human decision-making approaches.