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.
- 8 in 10 U.S. adults have at least some confidence in financial advisers.
- Younger generations are more likely to use AI for financial advice compared to older adults.
- Hiring a professional financial adviser can be a bigger financial commitment than using AI or doing online research.
A Gallup survey conducted in partnership with Edward Jones found that while some U.S. adults are using artificial intelligence for financial guidance, it is not a highly 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 confidence in its expertise for managing money.
The survey revealed a disparity between the resources 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 about one-third of those seeking financial advice consulted a professional, with 73% relying on their own internet research.
Younger generations, particularly Gen Z and millennials, are more inclined to use AI for financial guidance, with 25% of Gen Z and 21% of millennials having turned to AI in the past year. In contrast, only 7% of baby boomers sought AI assistance. Financial experts caution that while AI can be a useful tool for understanding financial concepts, it should not replace professional advice, as AI lacks fiduciary responsibility.
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，盖洛普调查显示
盖洛普与爱德华·琼斯合作进行的一项调查发现，虽然一些美国成年人使用人工智能进行财务指导，但这并不是一个高度可信的来源。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信心。
调查显示，美国人对财务建议的信任资源与实际使用的资源之间存在差距。虽然80%的美国成年人对财务顾问至少有一定的信心，但只有约三分之一的寻求财务建议的人咨询了专业人士，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，更倾向于使用人工智能进行财务指导，过去一年中有25%的Z世代和21%的千禧一代求助于人工智能。相比之下，只有7%的婴儿潮一代寻求人工智能的帮助。金融专家警告，虽然人工智能可以作为理解财务概念的有用工具，但不应替代专业建议，因为人工智能缺乏受托责任。