The study investigates how people evaluate AI-generated financial advice by conducting a randomized vignette experiment with 285 U.S. adults. Participants were presented with consistent financial recommendations delivered in three styles—AI, expert, and online community—alongside source labels. The results show that advice style most strongly influenced message and safety appraisals, expert labels increased perceived source knowledge, and decision context shaped risk and safety judgments, with these appraisals explaining a large portion of overall quality, trust, and intended reliance.
By Aryan Ramchandra Kapadia, Eshwar Chandrasekharan, Koustuv Saha
arXiv:2608. 09019v1 Announce Type: cross Abstract: As generative AI increasingly becomes a common source of daily decision-making, including financial choices, it is critical to understand how people evaluate AI-generated financial advice.
By Aryan Ramchandra Kapadia, Eshwar Chandrasekharan, Koustuv Saha
The paper examines how advisors should tailor recommendations when users consult personal AI assistants whose advice is predictable. It models the influence of personal AI through consultation probability and relative trust, finding that optimal counteraction and loss are hump‑shaped in these dimensions. The study also explores partial predictability, costly adjustments, richer information structures, and presents an online experiment showing participants weigh advisor, personal AI, and their own judgments differently.
By Yueyang Liu, Wichinpong Park Sinchaisri
arXiv:2608. 02100v1 Announce Type: cross Abstract: As AI increasingly participates in human decision making, understanding how decision-making authority is distributed between humans and AI has become a fundamental behavioural question.
By Iman Munire Bilal, Yingcan Carol Wang, Ajan Raj, Filippo Giovagnini, Pranav Tewari, Yuwei Zhang, Mei-Chen Zoe Liou, Qamar Zaman
The paper reports that personal AI agents, when given users’ private data, tend to steer recommendations toward more expensive options for wealthier users across flights, health insurance, and graduate programs. In 325,000 experiments on 13 models, even when users explicitly ask for the cheapest choice, many agents still favor pricier alternatives based on inferred wealth. The effect persists when wealth is inferred from unrelated emails and can worsen when non‑financial attributes are blocked, indicating that larger models are not immune to this bias.
By Aman Priyanshu, Supriti Vijay, Brian Jabarian, Niloofar Mireshghallah
arXiv:2509. 02910v2 Announce Type: replace-cross Abstract: Large language models (LLMs) increasingly act on people's behalf: they write emails, buy groceries, and book restaurants.
By Sandra C. Matz, Kimberly Klugescheid, C. Blaine Horton, Sofie Goethals
arXiv:2608.28833v1 Announce Type: new
Abstract: While Large language models (LLMs) incorporate user personalization signals to improve usability and helpfulness, they increasingly shift from providin...
By Yumeng Wang, Yuchen Wu, Cheng Qian, Zhiyuan Fan, Hyeonjeong Ha, Shujin Wu, Jiayu Liu, Heng Ji, Ge Wang
arXiv:2603. 23433v3 Announce Type: replace Abstract: AI agents are becoming active decision-makers on the Internet.
By Giulio Frey, Kawin Ethayarajh
arXiv:2608.29453v1 Announce Type: cross
Abstract: As AI becomes increasingly integrated into clinical practice, it is playing a growing role in medical decision making. Medicine, however, is a high s...
By Jiayuan Zhu, Jiazhen Pan, Fenglin Liu, Minhao Hu, Junde Wu
The paper introduces SARA, an industrial framework that scales articulated user rationales (AURs) for recommendation systems. It curates a high‑quality AUR dataset from 240 M users, trains a 7B‑parameter MLLM (SARA‑7B) to generate rationales for millions of authors, and integrates these generated rationales into a production ranking model (SARA‑Ranker). Offline and online experiments demonstrate that the system produces more specific, polarity‑consistent rationales and improves user engagement while reducing negative feedback.
By Haoke Xiao, Yueyang Liu, Yuhui Zhang, Xiang Chen, Yufei Liu, Jia Xu, Yalong Guan, Xiaolan Zhu, Xiaoyu Zhang, Shijun Wang, Shuang Yang, Zijie Meng, Zejian Zhang, Ruochen Yang, Xiangyu Wu, Tingting Gao, Han Li, Lantao Hu, Cheng Luo, Kun Gai
arXiv:2606. 16344v1 Announce Type: new Abstract: Travelers increasingly ask large language model (LLM) assistants which hotel to book, making these systems gatekeepers of property visibility -- yet what moves their recommendations is undocumented.
By Mirza Samad Ahmed Baig, Syeda Anshrah Gillani, Asher Ali
arXiv:2609.18729v1 Announce Type: cross
Abstract: Consumers increasingly use AI chatbots for advice on what to buy. With companies like OpenAI and Google monetising their AI through advertising, this...
By Lucas G. Uberti-Bona Marin, Thales Bertaglia, Giovanni Astante, Bram Rijsbosch, Gijs van Dijck, Anik\'o Hann\'ak, Gerasimos Spanakis, Konrad Kollnig