arXiv AI
Annie, Are You Okay? How Style- and Context-Based Personalization Shape AI-Assisted Decision-Making
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arXiv AI
Sep 21
Trustworthy FinAInce: Unpacking How AI-Mediated Financial Advice is Judged
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 AI
Aug 11
How People Evaluate AI-, Expert-, and Peer-Style Financial Advice
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.
arXiv Machine Learning
Sep 16
Strategic Advice in the Age of Personal AI
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.
arXiv Machine Learning
Aug 4
From Information to Delegation: Mapping Human-AI Financial Decision Making
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 AI
Sep 23
Et Tu, Brute? Economic Misalignment in Personal AI Agents
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.
arXiv AI
Aug 21
The Basic B*** Effect: The Use of LLM-based Agents Reduces the Distinctiveness and Diversity of People's Choices
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.