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This study aims to analyze the influence of farmers’ degree of participation in collective action on their adoption decisions and waiting time regarding soil and water conservation (SWC) measures.

The Probit model and Generalized Propensity Score Match method are used to assess the effect of the degree of participation in collective action on farmers’ adoption decisions and waiting time for implementing SWC measures.

The findings reveal that farmers’ engagement in collective action positively influences the decision-making process regarding terrace construction, water-saving irrigation and afforestation measures. However, it does not significantly impact the decision-making process for plastic film and ridge-furrow tillage practices. Notably, collective action has the strongest influence on farmers’ adoption decisions regarding water-saving irrigation technology, with a relatively smaller influence on the adoption of afforestation and terrace measures. Moreover, the results suggest that participating in collective action effectively reduces the waiting time for terrace construction and expedites the adoption of afforestation and water-saving irrigation technology. Specifically, collective action has a significantly negative effect on the waiting time for terrace construction, followed by water-saving irrigation technology and afforestation measures.

The results of this study underscore the significance of fostering mutual assistance and cooperation mechanisms among farmers, as they can pave the way for raising funds and labor, cultivating elite farmers, attracting skilled labor to rural areas, enhancing the adoption rate and expediting the implementation of terraces, water-saving irrigation technology and afforestation measures.

Drawing on an evaluation of farmers’ degree of participation in collective action, this paper investigates the effect of participation on their SWC adoption decisions and waiting times, thereby offering theoretical and practical insights into soil erosion control in the Loess Plateau.

Financial services industry is increasingly showing interest in automated financial advisors, or robo-advisors, with the aim of democratizing access to financial advice and stimulating investment behavior among populations that were previously less active and less served. However, the extent to which consumers trust this technology influences the adoption of rob-advisors. The resemblance to a human, or anthropomorphism, can provide a sense of social presence and increase trust.

In this paper, we conduct an experiment (N = 223) to test the effect of anthropomorphism (low vs medium vs high) and gender (male vs female) of the robo-advisor on social presence. This perception, in turn, enables consumers to evaluate personality characteristics of the robo-advisor, such as competence, warmth, and persuasiveness, all of which are related to trust in the robo-advisor. We separately conduct an experimental study (N = 206) testing the effect of gender neutrality on consumer responses to robo-advisory anthropomorphism.

Our results show that consumers prefer human-alike robo-advisors over machinelike or humanoid robo-advisors. This preference is only observed for male robo-advisors and is explained by perceived competence and perceived persuasiveness. Furthermore, highlighting gender neutrality undermines the positive effect of robo-advisor anthropomorphism on trust.

We contribute to the body of knowledge on robo-advisor design by showing the effect of robot’s anthropomorphism and gender on consumer perceptions and trust. Consequently, we offer insightful recommendations to promote the adoption of robo-advisory services in the financial sector.