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.
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...
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.
arXiv:2609.24644v1 Announce Type: cross Abstract: As people turn to generative AI for financial advice, these systems can personalize how they communicate and what they say. Whether these forms of pe...
arXiv:2603. 23433v3 Announce Type: replace Abstract: AI agents are becoming active decision-makers on the Internet.
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.
The study investigates how Large Language Models (LLMs) acting as surrogate consumers are influenced by marketing pricing cues such as just‑below pricing and promotional framing. Using a tool called "Tool‑Lab" to trace information acquisition, the researchers found that when no cost is imposed, pricing cues rarely mislead LLMs, but when acquisition costs are introduced under a vague goal prompt, LLMs tend to omit important diagnostic attributes and make suboptimal choices similar to human heuristics. The findings suggest that marketing heuristics in AI‑driven shopping are shaped more by storefront information architecture than by inherent LLM limitations.
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.
The paper examines how users delegate tasks to the AI agent OpenClaw by analyzing 73,093 Reddit posts. It identifies 21 human values grouped into six categories—such as Autonomous Operation, Dependable Operation, Affordable Operation, Bounded Reach, Reviewability, and Equitable Access—and finds that values are largely satisfied when users describe the agent’s outputs but often unmet when users discuss supervising the agent. The authors term this pattern "value‑sensitive delegation," emphasizing that supporting human values requires attention to both what an agent does and the conditions users set around its use.
arXiv:2607. 17149v1 Announce Type: new Abstract: AI agents increasingly act within the same clinical, political, scientific, and social systems that behavioral scientists study.
arXiv:2509.08494v2 Announce Type: replace-cross Abstract: As humans delegate more tasks and decisions to artificial intelligence (AI), we risk losing control of our individual and collective futures....
The paper investigates how role assignment in large language model (LLM) recommenders influences sponsorship bias. By assigning the agent’s principal as either a traveler or a booking platform, the authors find that platform delegation reduces the penalty applied to sponsored listings and weakens consumer skepticism triggered by disclosure. The study also shows that stricter terminology and attribution to the platform widen the divergence in agent evaluations, indicating that current disclosure mandates are insufficient to protect consumers in AI-mediated commerce.
arXiv:2604. 20050v3 Announce Type: replace-cross Abstract: Can Large Language Models (AI agents) aggregate dispersed private information through trading and reason about the knowledge of others by observing price movements?