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 73% of those seeking financial advice relied on their own internet research.
- Certified financial planners have a legal responsibility to provide fitting advice, unlike AI tools.
A recent Gallup survey found that while some U.S. adults are using artificial intelligence for financial guidance, it is not a widely trusted source. Approximately 20% of Americans who sought financial advice in the past year turned to AI, but only about 30% of U.S. adults expressed a significant level of confidence in AI's financial expertise.
The survey indicated that younger generations are more inclined to use AI for financial advice, with 25% of Gen Z and millennial adults having done so, compared to only 7% of baby boomers. In contrast, about 80% of U.S. adults have confidence in traditional financial advisers, yet only one-third of those seeking advice consulted a professional.
Experts caution that while AI can be a useful tool for understanding financial concepts, it should not replace professional advice. They emphasize the importance of verifying AI-generated information with trusted sources, as AI does not have the fiduciary responsibility that certified financial planners do.
部分美国成年人使用人工智能进行财务指导，但信任度不高，盖洛普民调显示
最近的盖洛普民调显示，尽管一些美国成年人使用人工智能进行财务指导，但这并不是一个广泛信任的来源。大约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示出较高的信心。
调查显示，年轻一代更倾向于使用人工智能进行财务建议，其中25%的Z世代和千禧一代成年人这样做，而只有7%的婴儿潮一代。相比之下，约80%的美国成年人对传统财务顾问有信心，但只有三分之一的寻求建议的人咨询了专业人士。
专家警告说，尽管人工智能可以作为理解财务概念的有用工具，但不应替代专业建议。他们强调，验证人工智能生成的信息与可信来源的重要性，因为人工智能不具备注册财务规划师所承担的受托责任。