![](bg8.png)
Figure 6: Modelling the structure of a questionnaire.
functionality is that banks and service providers can
then automatically generate random or contextualised
questionnaires for a given investor. However, spe-
cial attention is to be given to the situation where one
bank/service provider only accepts its own questions.
In this situation, the questionnaire generator should
generate an exact copy of the questionnaire of that
particular bank/service provider. This requires the
structure of a questionnaire to be modelled as well.
Having the structure of the questionnaire in the
knowledge model allows a second functionality to be
provided, i.e. that a given bank/service provider can
accept the questionnaire structure of another service
provider/bank, but can indicate that more than that
bank’s questions can be sourced from. This ques-
tionnaire template structure model is presented in Fig-
ure 6.
6 CONCLUSIONS
In the previous sections of this paper, we have
presented our research into optimising the use of
available financial consumer information in order to
streamline personalised financial investment over the
border of individual financial service providers. We
have demonstrated that, using semantic technologies,
an extendable, intelligent knowledge base can be cre-
ated to support potential financial investors by lower-
ing the administrative burden, through re-using pre-
vious information captures and to improve the in-
vestor’s financial expertise in an intelligent manner.
Modelling questionnaires into the knowledge base
in an innovative way by separating the structure of
the questionnaire with the actual filled-out versions of
the investors to be, has opened up a way of cleverly
building new personalised questionnaires, either for
different financial service providers or to enhance the
financial literacy of the investors.
Using existing software libraries for most of the
aspects of the overall application ensures a future-
proof approach. Of course, the presented approach
has to be approved by the necessary governing bodies
in the financial sector. Although no official request
has been made to the regulator, safeguarding this ac-
ceptance, was kept in mind throughout the research
by the expertise of myHarmoney.
ACKNOWLEDGEMENTS
This research or part of this research is conducted
within the project entitled Harmoney co-funded by
VLAIO (Flanders Innovation & Entrepreneurship)
and myHarmoney.eu.
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