Some US adults are using AI for financial guidance but few trust it, Gallup poll finds
- About 1 in 5 Americans who sought financial advice in the past year turned to AI.
- Only about 3 in 10 U.S. adults have confidence in AI's expertise for managing money.
- Younger generations are more likely to use AI for financial advice compared to older adults.
- About 8 in 10 U.S. adults have at least some confidence in financial advisers.
- AI tools do not have fiduciary responsibility like certified financial planners.
A recent Gallup survey found that some U.S. adults are using artificial intelligence for financial guidance, but it is not the most trusted source of advice. Approximately 20% of Americans who sought financial advice in the past year turned to AI, yet only around 30% of U.S. adults expressed a great deal or some confidence in its expertise for managing money.
The survey indicated that while 80% of U.S. adults have at least some confidence in financial advisers, only about one-third of those seeking financial advice consulted a professional adviser. Instead, 73% relied on their own internet research. Younger generations, particularly Gen Z and millennials, are more likely to use AI for financial advice, with affordability being a significant factor in their choice.
Financial experts advise caution when using AI for financial guidance, emphasizing the importance of combining AI insights with information from trusted sources. Unlike certified financial planners, AI tools do not carry fiduciary responsibilities, meaning users must take personal responsibility for decisions made based on AI-generated advice.
部分美国成年人使用人工智能进行财务指导，但信任度不高，盖洛普民调显示
最近的盖洛普民调显示，部分美国成年人正在使用人工智能进行财务指导，但这并不是最受信任的建议来源。大约20%的美国成年人在过去一年中寻求财务建议时选择了人工智能，但只有约30%的美国成年人对其在财务管理方面的专业知识表示有一定的信心。
调查显示，尽管80%的美国成年人对财务顾问至少有一定的信心，但在寻求财务建议的人中，只有约三分之一咨询了专业顾问。相反，73%的人依赖自己的互联网研究。年轻一代，尤其是Z世代和千禧一代，更有可能使用人工智能进行财务建议，经济负担是他们选择的重要因素。
财务专家建议在使用人工智能进行财务指导时要谨慎，强调将人工智能的见解与可信来源的信息结合的重要性。与认证财务规划师不同，人工智能工具不承担受托责任，这意味着用户必须对基于人工智能生成的建议所做的决策承担个人责任。