From Information to Delegation: Mapping Human-AI Financial Decision Making
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. We introduce a behavioural measurement framework combining intent and delegated decision authority to quantify what consumers seek from AI and how much decision-making authority they assign to it. Applied to 1.5 million real-world ChatGPT and Gemini interactions from 6,304 users in the United States and India, we find that financial services are already a substantial AI use case. Consumers overwhelmingly use AI to retrieve information and shape financial judgement, while delegation of financial execution r...
| Authors | Iman Munire Bilal, Yingcan Carol Wang, Ajan Raj et al. |
|---|---|
| Primary category | cs.HC |
| Published | 3 August 2026 |
| Last updated at source | 11 September 2026 |
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