Diseño y análisis de una encuesta de perfil de riesgo para clientes inversionistas, incorporando elementos de finanzas conductuales con apoyo de inteligencia artificial

Abstract

The traditional finances have based their hypothesis in efficient markets (Fama, 1970), which states that investors act and make optimal decisions in a rational way supported with market information that is available, using quantitative methods that allows them to know which could be the best alternative when you are investing. Nevertheless, during the last decade theories have taken relevance such as how emotions play an important role in individuals who are making those decisions. This has allowed us to know that humans are not as rational as people believe. On the contrary, on many occasions they can be carried away by situations they are facing, acting impulsively and irrationally (Hirshleifer, 2017). This can lead to inefficiencies in the market, in many cases this can result in big losses for the investors (Shleifer, 2000). This takes to the importance of generating strategies and methodologies that allows one to know how to integrate which are the reasons and motivations by which people decide to make an investment, that is, how individuals can identify not just their own risk profile, but also their behavioral profile.