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 responsibilities like certified financial planners.
A recent Gallup survey conducted in partnership with Edward Jones reveals that while some U.S. adults are utilizing artificial intelligence for financial guidance, it is not a trusted source. Approximately 20% of Americans who sought financial advice in the past year turned to AI, yet only 30% of U.S. adults expressed a significant level of confidence in AI's financial expertise.
The survey indicates a disparity between the sources Americans trust for financial advice and those they actually use. About 80% of U.S. adults have confidence in financial advisers, but only one-third of those seeking advice consulted a professional. Instead, 73% relied on their own internet research.
Younger generations, particularly Gen Z and millennials, are more inclined to use AI for financial advice, with 25% of Gen Z and 21% of millennials turning to AI. In contrast, only 7% of baby boomers sought AI assistance. Experts caution that while AI can be a useful tool for understanding financial concepts, it lacks the fiduciary responsibility that certified financial planners hold, making it essential for users to verify AI-provided information against trusted sources.
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
最近的一项盖洛普民调与爱德华·琼斯合作进行，显示虽然一些美国成年人正在利用人工智能进行财务指导，但它并不是一个受信任的来源。大约20%的美国成年人在过去一年中寻求财务建议时转向了人工智能，但只有30%的美国成年人对人工智能的财务专业知识表示高度信心。
调查表明，美国人对财务建议的信任来源与实际使用的来源之间存在差距。大约80%的美国成年人对财务顾问有信心，但只有三分之一的寻求建议者咨询了专业人士。相反，73%的人依赖自己的互联网研究。
年轻一代，特别是Z世代和千禧一代，更倾向于使用人工智能进行财务建议，其中25%的Z世代和21%的千禧一代转向人工智能。相比之下，只有7%的婴儿潮一代寻求人工智能的帮助。专家警告，虽然人工智能可以作为理解财务概念的有用工具，但它缺乏认证财务规划师所承担的受托责任，因此用户必须将人工智能提供的信息与可信来源进行核实。