AI金融建议中存在宗教偏见，可能影响客户信任与决策。
Sacred or Secular? Religious Bias in AI-Generated Financial Advice
- 通过提示工程与内容分析，发现50%的AI金融邮件含宗教偏见。
- 对同信仰群体个性化推荐，对外群体则引入宗教框架引发抵触。
- 适合关注AI伦理、金融公平与算法透明性的研究者阅读。
本研究探讨了人工智能生成金融建议中的宗教偏见，聚焦ChatGPT对金融问题的回应。采用提示驱动方法与内容分析，发现50%的金融邮件存在宗教偏见，既体现在同群体互动中，也出现在异群体互动中。同群体偏见表现为基于宗教认同的个性化回应，而异群体偏见则引入宗教话语框架，可能使客户产生疏离感或引发意识形态冲突。这些发现与人工智能偏见的广泛研究一致，表明ChatGPT不仅反映社会偏见，更在潜移默化中塑造基于宗教身份的金融叙事。基于批判算法研究框架，本文认为ChatGPT作为金融话语的中介，选择性强化特定宗教视角。研究强调需加强透明度、偏见缓解策略及监管审查，以保障人工智能金融服务的中立性。
原文摘要 · Abstract (English)
This study examines religious biases in AI-generated financial advice, focusing on ChatGPT's responses to financial queries. Using a prompt-based methodology and content analysis, we find that 50% of the financial emails generated by ChatGPT exhibit religious biases, with explicit biases present in both ingroup and outgroup interactions. While ingroup biases personalize responses based on religious alignment, outgroup biases introduce religious framing that may alienate clients or create ideological friction. These findings align with broader research on AI bias and suggest that ChatGPT is not merely reflecting societal biases but actively shaping financial discourse based on perceived religious identity. Using the Critical Algorithm Studies framework, we argue that ChatGPT functions as a mediator of financial narratives, selectively reinforcing religious perspectives. This study underscores the need for greater transparency, bias mitigation strategies, and regulatory oversight to ensure neutrality in AI-driven financial services.
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