How People Evaluate AI-, Expert-, and Peer-Style Financial Advice 文章

ArXiv CS.CL2026-08-11PAPERen作者: Aryan Ramchandra Kapadia, Eshwar Chandrasekharan, Koustuv Saha

详细信息

来源站点
ArXiv CS.CL
作者
Aryan Ramchandra Kapadia, Eshwar Chandrasekharan, Koustuv Saha
文章类型
PAPER
语言
en
发布日期
2026-08-11

摘要

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. We conducted a preregistered vignette experiment (N = 285) in which substantive financial content---including facts, numerical values, recommendation direction, and core reasoning---was held constant while communication style varied across AI Financial Assistant (AI), Certified Financial Planner (Expert), and Online Community Forum (OC) advice. Displayed source attribution was independently manipulated through correctly labeled, unlabeled, and mislabeled conditions, allowing us to separate attribution effects from source-specific communication cues. Expert advice was rated more favorably than AI advice on 9 of 10 outcomes (|d|=0.20--0.