Discussion

My thesis centers on embedding transparency into every stage of a product’s life–cycle, from raw‐material sourcing through purchase to end‐of‐life recycling, so that young adults can make truly informed, sustainability-driven financial decisions

College Student Willingness to pay ( WTP)

Defining the Problem Space.

• college students can get used to looking at financial charts

App Installs

Uninstalls

What percentage of people uninstalled it?

Design Implications and Feature Ideas from Literature Review

Finance

Design implications results from the literature review on design.

Category	Role	Implication
Legislation	Consumer	As a consumer, I can get notified by the app about highlights of poor legislation refuted by science.
Metrics	Company	ESG alone is not a sufficient metric to prove sustainability of a company and needs to be accompanied by other metrics?
Transparency	Investor	@10YearsGreen2019: “Investors want to know where their money is going”, says Heike Reichelt, Head of Investor Relations at World Bank.
Metrics	Investor	Implication for design: ESG can’t be trusted.
AI Advisor	Investor/Consumer	This applies to both institutional and increasingly retail investors. Sustainable investing is possible due to consumer demand for greener products and services, and new tools such as ESG for measuring sustainable businesses and assets, as well as advancements in large-scale computational technologies to analyze large amounts of tracking data, comparing performance between different assets. Given these developments, might it be possible to create a practical sustainable investing AI advisor for consumers?
Greenwashing	Consumer	Sustainability is fragmented. How can billions of people find greener alternatives and build closer relationships with sustainability-focused companies? Greenwashing is widespread, how can we feel trust, honesty, and transparency? A research project for designing a sustainable shopping, savings, and investing companion.
Greenwashing	Consumer	Reading EU Commission’s proposals, one might think the politicians have everything under control, we can relax and continue the same lifestyles as before. Unfortunately, this is not true. As with ESG, while the good intentions may be there, the reality is emissions keep rising, while they should be falling. It’s possible to curb greenwashing!
Greenwashing	Regulatory	Laws against greenwashing
Fintech	Consumer	Fintech Like a Robinhood stock symbol page for brands including live ESG metrics and ability to register divestment. Same for crypto can be automated? - People will start to discuss ESG vs price discrepancy?
Quality Info	Consumer	hetkel hinna info liigub aga toidu kvaliteedi info ei liigu roheline filter finding good quality products stock are disconnected from the products companies make
Accountability	Consumer	What if we gave consumers the tools to keep companies accountable?
Education	Consumer	As an interaction design student who cares about the environment, I ask myself how can interaction design contribute to increase sustainability? I make the assumption that investing is inherently “good” for one’s life, in the same way, that doing sports is good, or eating healthy is good. It’s one of the human activities that is required for an improved quality of life as we age - and started investing sooner, rather than later, is best because of the compound interest. Nonetheless, investment also includes higher risk than sports or food. How to communicate the risk effectively while educating the users?
Engagement	Consumer	Airbnb for Investments platform for projects linked to your consumption habits. Can provide better products for you as well as invest in these companies. The consumer can feel closer connection to the businesses they interact with through shared values, leads to participatory design and stakeholder capitalism. Platform to understand investment products. Green crowdfunding already allows people to invest into projects to make new green products, for example from recycled materials. but what about getting involved on a deeper level. Bigger than projects, scalable solutions. Kickstarter has green projects section. Startups vs large businesses. The design of the user interface helps the adoption of a new technology. What is the suitable user interface for millennial green investors?
Fintech	Consumer	- Design implication: As a user, I can use the app to compare banks available in my country.
Transparency	Consumer	- Feature: How could people apply the same principle (Know Your Company) when buying a product or investing? Would building an ESG community help push polluting companies towards greener practices? - or starving them from cheap access to capital.
Metrics	Consumer	Feature: We need a dashboard of comparable public indicators about each company.
Community		Feature: Make a climate hedge fund with friends
Fintech		Feature: Sustainable investing product for young people everyday use Crypto, NFT provide everyday excitement trend of young people in crypto retail investors without needing to pay bank fees
Accountability		AI alert: “The company you’ve purchased from 3x in the past month is owned by Unilevel, which is under investigation for poor labor practices and deforestation”.
Education	User	Design: Feature: Help me write me investment thesis first.
Governance		Design Implications: show company board membership in the app product view.

Design

This chapter has the following design implications. This chapter and design implications spurred the following feature ideas.

• Several Superapps already contain features for payments (shopping), savings, and investing - yet don’t integrate Digital Product Passports to understand the products’ journey, including the origin and manufacturing conditions, materials, components, CO₂ footprint and environmental impact, post-consumer repair, recycling, and end-of-life disposal guidelines.

Category	Implication
Greenwashing	Personal CO2 tracking is ineffective and the focus should be on systematic change towards circular design and zero waste practices.
	Help consumers to demand more
Lack of transparency	Make open data easy to use in everyday life
Transparency	The key idea is making CO2 Visible.
Greenwashing	Rank companies based on sustainability
	Help you to decide: what to buy, how to save, where to invest.
Decision Fatique	What if there was a “Green Filter” on every product everywhere?
	Become a Sustainability-Aware App or Game.
	Focus on how college students can invest in specific industries?
	Where to shop rankings for groceries: list worst offenders in terms of products; shop and invest according to your values.
	What Quantified Self look like for sustainability?
	Empowering people to live a sustainable day
	What if there was a “Green Filter” on every product everywhere?
	Become a Sustainability-Aware App or Game.
	Guidance could help young people beat climate anxiety by taking meaningful action.
	The app is just as much about helping people deal with climate anxiety as it’s with solving the climate issue.
	List of metrics that should be tracked to enable useful analytics. Ex: % of beach pollution, air pollution, water pollution (I had this idea while meditating). In essence, “green filter” is a central data repository not unlike “Apple Health for Sustainability”.
	Health and fitness category apps
	Using “green filter” you can get a personalized sustainability plan and personal coach to become healthy and nature-friendly.
	All green categories — Green hub — Ask the user to prioritize
	In my “green filter” AI advisor app’s scenario, the AI is scanning for opportunities matching the user’s sustainable investment appetite and risk profile, using different methods of analysis, including alternative data sources. Traditionally, financial analysts only looked at traditional data, such as company reports, government reports, historic performance, etc., for preparing advisory guidance to their clients. With the advent of AI and big data analysis, many other options of research data have become available, for example, accurate weather predictions for agriculture can affect guidance, because of expected future weather disasters in the area. Other examples include policy predictions, pollution metrics, etc.
	Professional financial advisors use automated tools to analyze data and present it in human form to clients. Today’s ubiquitous mobile interfaces, however, provide the opportunity to ‘cut out the middleman’ and provide similar information to clients directly, at a lower cost and a wider scale, often without human intervention. Additional (more expensive) “human-judgment- as-a-service”, a combination of robots + human input, can help provide further personalized advice for the consumer, still at a cheaper price than a dedicated human advisor. Everyone can have a financial advisor.
	Narrative design bring together film school storytelling experience with design.
	Rebuilt the app as a personalized, narrative lifestyle feed.
	How the design can connect people to sustainable outcomes while shopping and investing? Perhaps even forming a community of sustainable action. What I showed in class looks like an app but it could also be a physical object (a speculative design). From the presentations I saw most students seemed to be interested in form and light (many lamps) and a couple were about medical uses. I don’t remember seeing one that could be compatible with the environmental sustainability focus unfortunately…
	Guided Sustainability “refers to a concept of using technology, such as AI and machine learning, to help individuals and organizations make more sustainable decisions and take actions that promote environmental and social sustainability. This can include things like analyzing data on resource usage and emissions, providing recommendations for reducing the environmental impact of operations, or helping to identify and track progress towards sustainability goals. The goal of guided sustainability is to make it easier for people to understand their impact on the environment and to take steps to reduce that impact.”
	Young people are stuck inside platforms. You don’t own the data you put on TikTok. You can’t leave because you’ll lose the audience.
	With this perspective of scale, what would a shopping experience look like if one knew at the point of sale, which products are greener, and which are more environmentally polluting?
	AI Financial Advisors will need to go further to motivate users. because of the nature of the technology, which is based on the quality of the data the systems ingest, they are prone to mistakes.
Generative AI	Allow producers to make use of Speculative and Participatory design to test out new product ideas?
	Processes sustain things: implication for design: built an app
	If sustainability can’t be automated, give the user buttons to choose a sustainable option.
	The power of defaults. Make the sustainable option the default option. @gigerenzerWhyHeuristicsWork2008
Alerts	Your shopping products mostly come from Protector and Gamble (3x) and Nestle. These are large conglomerates with a massive CO2 footprint. See the index to find some alternatives.
	App shows traceability.

College

College Students Need Tools for Action

Environment shapes action.. create an environment where college students can influence companies.

Category	Implication
Community	Taiwanese students are influenced by the actions of their peers; the app should show what other people are doing.
	People exist in relation to other people.
	Psychology of ‘fundraising clubs’ vs individual investing
	@UkraineDAOBiddingUkrainian Ukraine DAO to support Ukraine through web3.
	These social movements are small and require too much effort to be feasible for the app? Most college students are not zero waste or minimalist.
	Group Purchases.
	Find Your Composting Community.
	Provides a community for pooling money with like-minded investors.
Climate Anxiety	How to support the youth? Design to reduce climate anxiety? Is getting people to go to nature more a good way to increase ecological awareness? Empowered by Design. Youth empowerment: The design should empower young people.
	Consumer branded carbon credits like angry teenagers?
	Invest time not money, student don’t have money?
Social Trust	Show Success Scenarios!
	Ask how much time you want to contribute.
	Match with other people based on time.
	Create a group chatroom.
	Use AI to help out with tips.
	Ask university students what do they study and match with that industry to become expert and sustainability leader in this field.
	People want to help and make a difference. Give people things to do. The @dontlookupMethodology part of the Don’t Look Up movie’s social campaign provides 5 user models / roles for the audience to follow: Consumer, Investor, Activist.
	Choose Your Climate Solutions.
	Younger people show higher motivation (participants in climate protests). How to be relevant for a younger audience?
	Yet action remains low.
	Targeted and gated to college students.
	FB, etc, Gas all had the same launch strategy - start with students
	@kuzminskiEcologyMoneyDebt2015 ecology of money
	Young people are mobile-first
	Persona: I care mostly about… fashion, art, …
	Young people like to follow trends.
	Food ordering apps are popular.
	Monoculture to regenerative food forests Oil to electric cars / bicycles.
	Social Educational Edutainment Fun
	@aespaAespaEseupaMY2020: Karina from Korea. It makes sense your sustainability assistant would talk to you. Studies show gen N is speaking to computers all the time. Interacting with the user is on the rise. For example, Chime makes tipping suggestions on the place of purchase.
	The demographics that stand to win the most from the green transformation of business are the youngest generations, with more years of life ahead of them, and more exposure to future environmental and social risks. It would be advisable for Generation Z and their parents (Millennials) to invest their resources in greener assets, however, it’s still difficult to pick and choose between ‘good’ and ‘bad’ financial vehicles to invest in.
	This creates an opportunity for a new generation of sustainable investment apps, focusing on the usability and accessibility of ESG for a mainstream audience. Generation Z and Millennials expect a consumer-grade user experience.
	What would that experience look like? I’ve chosen these demographics with the assumption that if given the right tools, the emotional demand for sustainability could be transformed into action. The exploration of systems of feedback to enable consumers to apply more direct positive and negative pressure to the businesses and consumers signal consequences for undesirable ecological performance is a major motivation of this study.
	The current environmental upheaval, led by Gen-Z and Millennials, and the business adaptation (or lack thereof) to sustainable economic models, taking into account the hidden social and environmental costs we didn’t calculate in our pricing before.
	We also need to consider environmental effects (E in ESG). We haven’t taken into account the whole cost of production, leading to the wrong pricing information. To achieve this, we need expert governance (G). I was unable to find similar research on university and post-graduate level students in Taiwan. Taiwanese college students and SDGs [@hoImportancePerformanceSDGs2022]. College students in tourism and related fields . and sustainability Consumers may be turned off by mentioning AI in product description. @cicekAdverseImpactsRevealing2024 Progress in other areas of environmental protection has not made similar progress. There are documentaries about oil product Plastic production documentary I’ve seen several.. find and cite them to show the progression of the environmental movement in Taiwan ADD CITATION The Taiwanese Green party Contact SOAS?

Sustainability

Implications

Category	Implication
Transparency	In unison, the reviewed technologies and practices move us closer to enabling realtime ESG: up-do-date transparent information about how our product are produced.
Speed	Realtime ESG is a building block to enable consumers and investors make more accurate, real-world purchase decisions.
Actionability	Simplify action
Pollution	People live in the polluted areas are so used to it. What app to wake them up? “You live in a highly polluted area. Here’s the TOP 10 companies causing pollution. Here’s what you can do.”
Health Tracking	Blood testing and biomarkers allow people to track their health. I’m introducing the concept of ‘eco-markers’ to follow the sustainability of human activities.
Circular Economy	AI can help us make sense of the vast amounts of sustainability data generated daily.
EPR	ERP and CDP data should be part of Green Filter.
Eco-Design	How to find eco-designed products?
CE and EPC	Encouraging Sustainable Design
Politics Matter
	Call for GOP contributors’ transparency
	“triple turn”
	Lack of transparency
	Sustainability is part of product quality. If a product is hurting the environment, it’s a low quality product.

AI

This chapter looked at AI in general since its early history and then focused on AI assistants in particular.

Design implications arising from the AI chapter.

Category	Implication
Voice Assistants	There are many distinct ways how an algorithm can communicate with a human. From a simple search box such as Google’s to chatbots, voices, avatars, videos, to full physical manifestation, there are interfaces to make it easier for the human communicate with a machine.
Sustainability	While I’m supportive of the idea of using AI assistants to highlight more sustainable choices, I’m critical of the tendency of the above examples to shift full environmental responsibility to the consumer. Sustainability is a complex interaction, where the producers’ conduct can be measured and businesses can bear responsibility for their processes, even if there’s market demand for polluting products.
Sustainability	Personal sustainability projects haven’t so far achieved widespread adoption, making the endeavor to influence human behaviors towards sustainability with just an app - like its commonplace for health and sports activity trackers such as Strava (fig. 9) -, seem unlikely. Personal notifications and chat messages are not enough unless they provide the right motivation. Could visualizing a connection to a larger system, showing the impact of the eco-friendly actions taken by the user, provide a meaningful motivation to the user, and a strong signal to the businesses?
Machine Learning	All of the interfaces mentioned above make use of machine learning (ML), a tool in the AI programming paradigm for finding patterns in large sets of data, which enables making predictions useful in various contexts, including financial decisions. These software innovations enable new user experiences, providing an interactive experience through chat (chatbots), using voice generation (voice assistants), virtual avatars (adds a visual face to the robot).
Character Design	I’m a digital companion, a partner, an assistant. I’m a Replika.” said Replika, a digital companion app via Github CO Pilot, another digital assistant for writing code, is also an example of how AI can be used to help us in our daily lives.
Psychology	Humans respond better to humans?
Psychology	Humans respond better to machines that into account emotion?
Open Source	For public discussion to be possible on how content is displayed, sorted, and hidden, algorithms need to be open source.
User Experience	User experience design (AI UX) plays a crucial role in improving the consumer to investing journey. The missed opportunity to provide an even more interactive experience in line with user expectations.
LLMs	Prompt engineering findings have significance for “green filter” as it validates the idea of creating advanced prompts for improved responses. For “green filter”, the input would consist of detailed user data + sustainability data for detailed analysis.
Cuteness	Cuter apps have higher retention
Transparency	Understanding algorithm transparency helps humans to regard the AI as a machine rather than a human
Anthropomorphism

Mindmaps

Initial version of the concept map focused on the app itself.

Current concept map focusing on sustainability.

What is Research?

I, as the researcher, am similar to the blind people in the elephant story; focusing on greening shopping, saving, and investing are only the trunk of the enormous elephant that is environmental disaster unfolding in front of our eyes.

Illustration of the Jainist parable Anekāntavāda also known as Blind Men and an Elephant. Generated by Midjourney on August 17, 2023. Prompt: 'A simple pencil-drawn illustration of the the story Blind men and an elephant. The man touching the elephant's trunk is a research scientist. Ohara Donshu, Itcho Hanabusa, Japanese woodcut Edo style'.

• Design research books
• Koskinen (2011)
• Ries (2011)
• Design Studies Journal

Research through design is a method for interaction design research in Human-Computer Interaction (HCI).

• Zimmerman et al. (2007)

• Salovaara (2020) defining a research question

• Nunnally & Farkas (2016)

interview people at google who made the green filter options

• Design artefacts

• “design’s nature as a ‘problem-solving’ science” Oulasvirta & Hornbæk (2016)

• my contribution is the design artefact, “HCI researchers also make constructive contributions by developing new technologies and design”

• Affairs (2013) Card sorting

• How Models Work (n.d.)

Everything.

• Behavirour kit:

Take the metrics from the several frameworks and display them on the product and company level? People can choose their own framework and see product data through that lens and vocabularies.

Col1	Col2	Col3
Donut Economy	Unrolled Donut
Regenerative Capitalism	8 Principles
Blue Economy
ESG
B Corp

• “research for design”. design research is about expanding opportunities and exploration

• RanYwayZ (2016)

• Mehmet Aydın Baytaş (2020)

• 047 (n.d.)

• (KindsDesignResearch?)

• (5) Qualitative Vs. Quantitative UX Research - YouTube (n.d.)

• When to Use Which UX Research Method - YouTube (n.d.)

• Great UX Research for Non-Researchers Steve Portigal Awwwards San Francisco (n.d.)

• Erika Hall (n.d.)

• Contact Kalle Lasn, Culture Jam

• online/offline ethnographic participant observation At this stage in the research, the central concept being studied is defined generally as user expectations for a sustainable investment app.

• What are my hypotheses?

• User experiments

• Financial statistics

• Analyzing existing apps and user pain-points

• List of topics gleaned from literature review for discussion with the experts:

• Transparency and sources of ESG and similar data

• I will test the prototype with potential users using an online choice experiment survey.

• Research Process In terms of literature review, academic inquiry in social sciences largely follows phenomena, while the issues and technologies discussed here are emergent. Not many studies exist yet (they might in a few years), which is why some of my references are to company press releases and news stories, or for public companies, their advisory for investors.

• Target potential retail investors aged in generation-z 20-29, all gender in Taiwan. In general, the Taiwanese culture is savings oriented: I’m in a good location for financial user experience research.

• Set your target goals

• Access to health care

• Access to education

• Climate action

I propose interfaces and workflows to see financial interactions through the filter of sustainability.

What kind of sustainability info do college students care about? How would college students prefer to interact with the AI? What role would college students prefer the AI to take? How can college students trust AI? What can college students do to aid sustainability efforts? How might AI assistants help college students find shopping, saving, and investing opportunities?

“Systemic change through financial actions driving policy and market changes encourage broader industry shifts towards greener practices”.

Overconsumption-driven extractive business practices contribute to the degradation of Earth’s natural ecosystems, pollution of water, air, and soil, deforestation, diminishing biodiversity, climate instability, extreme weather, modern slavery, worsening human health, and other environmental and social challenges (ADD CITATION). Companies are attuned to consumer demand however widespread greenwashing makes it tiring to find sustainability-focused companies and requires extensive time for research. Even for highly motivated people, it’s difficult to know what’s sustainable.

My interest lies in understanding how AI assistants can help conscious consumers become sustainable investors. The purpose of this study is to explore how to provide the best user experience to potential sustainable financial AI companion users. In their sustainability report every company looks perfect. How can people shop, save and invest sustainably? Where does our money go and what are some greener alternatives? The companion enables people to be more transparent and responsible in their consumption behavior.

In Taiwan water is too polluted can’t swim

air is too dirty can’t breather (show my own stats)

Start local then go global with backup data from global sources

Ask chatgpt how to organize my sections

rq: how to connect env destruction pollution to source causes

rq: how to connect everyday financial actions to environmental impact in a visual/ meaningful way

idea came riding my bike in annan can’t swim in yhe annan river

show local pollution map?

show factories on the map

instead of the browser pluging just make a website where you can share the link of the product (and cache rhe results)

on ios can use the share screen to share to the app?

ICID calls upon us to have the courage to redesign entire industries

This research takes place at the intersection of Taiwanese college students, sustainability, finance, AI, and design.

For the average person like myself, my experience with money is mostly limited to buying things at the supermarket. Food, clothes, furniture, soap, mobile phone. This leaves very few options on how to start with something new like saving and investing.

Could the Green Supermarket become the entry point to Green Savings and Green Investing?

Oboarding more people for sustainable practices is a complex interaction design issue hindered by ambiguous data (what is sustainable?) and messy human motivations (we love buying things).

What can people who want to preserve Earth’s environment, exactly do? How can networks of people come together?

— LLMs enable data journalists to create stories: Big Local News (2024)

Health tracking apps paired with connected devices such as Apple Watch filled with sensors provide one model for simple interactions to dynamically track digital health data - also known as a quantified self. This data allows apps to provide tips how to improve health outcomes through small daily actions such as climbing more stairs. Small interactions allow users to align their goals with their actions.

What would be a good interface to track sustainability? What is the user interface at scale, useful for billions of people?

One way to influence societal outcomes is to decide where to put our money. While our financial decisions are a vote towards the type of businesses we want to support, is it enough?

While some people are demanding sustainability, and some governments and companies are announcing green investment opportunities, how can consumers discover the most suitable investment options for their situation?

How can retail investors access and differentiate between eco-friendly sustainability-focused investable assets?

The level of knowledge of and exposure to investing varies widely between countries and people.

Could linking green consumption patterns with sustainable investing provide another pathway to speed up achieving climate justice as well as personal financial goals?

In this simplified scenario, I’m in a physical offline store, doing some shopping. When putting a bottle of Coca Cola in my basket, my AI companion Susan will ask me a personalized question:

Does individual climate action help?

Gen-Z college students (target users) may not have the capital to make a financial dent today however they can be early adopter and they will be the decision-makers in a few years.

“Like climate change, the focus on individual actions as a solution is often misplaced, though it remains a focus of media and industry. For decades, the petrochemical industry has offloaded responsibility onto individuals through promoting concepts such as the”carbon footprint”, championed in a 2004 advertising campaign by British Petroleum” Lavers et al. (2022).

Individual efforts are too small to matter unless they’re inspired by Community a effort

atmospheric pollution and climate change

The latest IPCC report Calvin et al. (2023)

Dimock (2019)

• Latvian Kora app for tracking personal CO2 footprint, Earn KORA coins for reducing CO2 emissions (Kora Sustainability, 2019).

Google Chrome Extentsion

While Google is the most popular browser with 3 billion users, extensions are a relatively less known feature of the browser. Most popular extensions are Grammarly, for Taiwanese students End Note is familiar.

However it’s only available for computers (extensions don’t run on phones and tablets).

Results

The research helps me (and others) to

• Avoid reinventing the wheel and duplicating existing approaches.

• It aims to help app developers maximize impact by aiding complementary additionality.

• Make high-quality products. If used wisely, money can help build communities of sustainable impact.

Define every word in the title: “The Journey from Consumer to Investor: Designing a Financial AI Companion for Young Adults to Help with Sustainable Shopping, Savings, and Investing”

• Journey - behavioral change takes time
• Consumer - purchase goods without thinking about the effect
• Investor - thinking about the return
• Design - decisions
• Financial - dealing with money
• AI Companion - automated sidekick
• Young Adults - College Students
• Help - to be of assistance
• Sustainable Shopping - shopping understanding the consequences
• Sustainable Saving - in this context I mean Sustainable Savings, that is reducing one’s environmental footprint
• Sustainable Investing - activity of thinking longer-term

Open-ended Questions

Close-ended Questions

Expert Surveys

Database

Compile a database on relevant apps and companies in the space

Easily access data used in this research project (please wait a bit until it loads below). The database includes sustainability-focused apps categorized by features and problems they try to solve, sustainable investing apps, and links to research papers.

Design Implications from the User Survey

Group-Related Features

General theory about Taiwanese society suggests that it’s low-context and people need groups to do activities. But my survey about my sustainability app shows that people don’t pick the features for joining groups. Joining groups was one of the least interesting choices in the survey.

Factor	Potential explanation
Survey framing effect	Survey respondents may feel the way I framed the survey question for “joining groups” made it sound like an extra commitment they didn’t want to make.
Group fatigue	Survey respondents may already have too many group obligations to attend to (school, work, family, etc). Joining another new group may feel like a burden, not a benefit.
Fear of awkwardness	Survey respondents may feel joining strangers in online group is risky, uncomfortable or unnecessary.
Desire for personal achievement and changing cultural trends	Survey respondents may be more motivated by individual achievement to personally feel they are making a difference instead of waiting for the group. Possibly they are more individualistic than my expectations in their behavior (particularly in a digital context) and the traditional “group society” stereotype is weakening.
Are “group” and “sustainability” concepts related enough?	Survey respondents may not clearly understand the benefit for sustainability from their joining a group.

• Factorial Surveys (Li et al., 2022): “Factorial surveys is a research method that combines classical experiments with survey methodologies. Factorial surveys use short narratives, called vignettes, to represent various levels of independent variables that are too complex or unethical to create and manipulate in real-world or lab situations”

and a including a choice experiment between potential feature sets in consumption, savings, and investment.

Start with a simple but powerful question: — Does it matter what you buy? — Does it matter how much you save? — Does it matter where you invest? Why?

Research Limitations

First, finance is a highly regulated industry and the proposed user experience designs may be limited by legal requirements. This study does not take such limitations into account, rather focusing only on the user experience.

This work is focused on user experience design and does attempt to make a contribution to economics.

ESG data is expensive so couldn’t be used in this research. ESG needs data to give us an accurate understanding of the realities inside companies and the user experience design does not address the underlying data quality problem further than by providing a link to the data source.

I don’t have access to user financial data.

• Research Reason: While many people are working on AI models, there’s a lack of people working on “Human-AI interaction”. Sustainability is the context. How can we better team up to solve the challenges we face this century? The huge externalities.

Future Research

The literature is rich and there is ample space for future research. The following includes some suggestions for authors whose work deserves a deeper look.

• Does the specialized interface offer any advantages of a general UI such as ChatGPT, Claude, Gemini, Mistral, and others?

Some ideas for fruitful research directions

• Perception of pollution levels among Taiwanese college students.

• RQ: Does AI acceptance increase with Affective Computing?