INFORMATION PROVIDING APPARATUS, INFORMATION PROVIDING METHOD, AND PROGRAM

To provide an information providing apparatus configured to create an opportunity for investment for a user who has not made an investment or who is unwilling to make an investment, an information providing method, and a program.SOLUTION: An information providing apparatus includes: an asset information acquisition unit which acquires asset information from which details of holdings of a user can be recognized; and a financial product recommendation unit which determines whether a ratio of cash and deposits in the holdings of the user has exceeded a first threshold by referring to the asset information, and transmits recommendation information to recommend purchasing a financial product different from the cash and deposits to a terminal device of the user when the ratio of the cash and deposits in the holdings of the user is determined to exceed the first threshold.SELECTED DRAWING: Figure 1 【課題】投資を行っていない、或いは投資の意欲が低い利用者に対して、投資のきっかけを与えることができる情報提供装置、情報提供方法、およびプログラムを提供すること。【解決手段】利用者の保有資産の内訳を認識可能な資産情報を取得する資産情報取得部と、前記資産情報を参照し、前記利用者の保有資産に占める現預金の割合が第１閾値を超えたか否かを判定し、前記利用者の保有資産に占める現預金の割合が第１閾値を超えたと判定した場合に、現預金とは異なる金融商品の購入を奨める推奨情報を前記利用者の端末装置に送信する金融商品レコメンド部と、を備える情報提供装置。【選択図】図１