Some US adults are using AI for financial guidance but few trust it, Gallup poll finds
- About 1 in 5 Americans seeking financial advice turned to AI in the past year.
- Only about 3 in 10 U.S. adults have confidence in AI's expertise for managing money.
- Approximately 8 in 10 U.S. adults have confidence in financial advisers, but only a third sought advice from them.
- Younger generations are more likely to use AI for financial advice compared to older adults.
- Financial experts caution against fully trusting AI for financial guidance.
A recent Gallup survey conducted in partnership with Edward Jones reveals that some U.S. adults are utilizing artificial intelligence for financial guidance, though it is not regarded as a highly trusted source. Approximately 20% of Americans who sought financial advice in the past year have turned to AI, but only about 30% of U.S. adults express a significant level of confidence in AI's financial expertise.
The survey indicates a notable disparity between the sources Americans trust for financial advice and those they actually use. While 80% of U.S. adults have at least some confidence in financial advisers, only one-third of those seeking advice consulted a professional adviser, with 73% relying on their own internet research.
Younger adults are more inclined to use AI for financial advice, with about 25% of Gen Z and millennials seeking guidance from AI compared to 16% of Gen X and 7% of baby boomers. However, fewer younger individuals turned to professional advisers, with only 14% of Gen Z and 21% of millennials doing so, compared to higher percentages among older generations.
Experts advise that while AI can be a useful tool for understanding financial concepts, consumers should remain cautious and verify information with trusted sources. The responsibility for decisions made based on AI advice ultimately lies with the individual, as AI does not possess fiduciary responsibilities like certified financial planners do.
部分美国成年人使用人工智能进行财务指导，但信任度较低，盖洛普调查显示
最近的一项盖洛普调查显示，部分美国成年人在财务指导中使用人工智能，但这种来源并不被视为高度可信。约20%的美国人在过去一年中寻求财务建议时转向了人工智能，但只有约30%的美国成年人对人工智能的财务专业知识表达了较高的信心。
调查显示，美国人在信任财务建议的来源与实际使用的来源之间存在显著差距。虽然80%的美国成年人对财务顾问至少有一些信心，但在寻求建议的人中，只有三分之一咨询了专业顾问，73%的人依赖自己的互联网研究。
年轻成年人更倾向于使用人工智能进行财务建议，约25%的Z世代和千禧一代寻求AI的指导，而X世代为16%，婴儿潮一代为7%。然而，较年轻的人中，转向专业顾问的比例较低，只有14%的Z世代和21%的千禧一代这样做，而老年人中这一比例则更高。
专家建议，虽然人工智能可以作为理解财务概念的有用工具，但消费者应保持谨慎，并与可信来源核实信息。基于人工智能建议所做出的决策最终由个人负责，因为人工智能并不具备像注册财务规划师那样的受托责任。