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.
- The survey found that 73% of those seeking advice relied on their own internet research.
- Certified financial planners have legal responsibilities that AI tools do not.
A Gallup survey conducted in partnership with Edward Jones reveals that while some U.S. adults are turning to artificial intelligence for financial guidance, the level of trust in AI remains low. Approximately 20% of Americans who sought financial advice in the past year utilized AI, but only about 30% expressed a significant level of confidence in its financial expertise.
The survey indicates a notable disparity between the sources Americans trust for financial advice and those they actually use. While around 80% of U.S. adults have at least some confidence in financial advisers, only one-third of those seeking advice consulted a professional, with a significant majority relying 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 having done so in the past year. In contrast, older adults tend to seek professional financial advisers more frequently, with 55% of baby boomers consulting one.
Experts caution that while AI can be a useful tool for understanding financial concepts, it should not be fully trusted without verification from other reliable sources. Unlike certified financial planners, AI does not have fiduciary responsibilities to provide tailored advice based on individual circumstances.
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
一项与爱德华·琼斯合作进行的盖洛普调查显示，尽管一些美国成年人正在寻求人工智能的财务指导，但对人工智能的信任度仍然较低。约20%的美国人在过去一年中寻求财务建议时使用了人工智能，但只有约30%的人对其财务专业知识表示高度信任。
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异。尽管约80%的美国成年人对财务顾问至少有一定的信心，但只有三分之一的寻求建议者咨询了专业顾问，大多数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建议，过去一年中有25%的Z世代和21%的千禧一代这样做。相比之下，老年人更频繁地寻求专业财务顾问，55%的婴儿潮一代咨询了顾问。
专家警告，虽然人工智能可以成为理解财务概念的有用工具，但在没有其他可靠来源的验证之前，不应完全信任。与注册财务规划师不同，人工智能没有根据个人情况提供量身定制建议的受托责任。