分析150万次AI金融对话，发现用户多用AI查信息，少交执行权。
From Information to Delegation: Mapping Human-AI Financial Decision Making
- 通过意图与授权双重指标，量化人机决策分配
- 99%以上使用AI获取信息，仅极少数委托执行操作
- 为评估智能体化AI发展提供行为基准
随着AI深度参与人类决策，理解人与AI间决策权分配已成为关键行为问题。本文提出一种结合意图与委托决策权的实证测量框架，量化消费者从AI获取什么以及赋予多少决策权。基于美国和印度6,304名用户150万次真实世界ChatGPT与Gemini交互数据，研究发现金融服务业已是显著的AI应用场景。用户普遍使用AI获取信息并辅助财务判断，但委托执行决策的行为仍极为罕见。通过将关注点从对话主题转向决策权分配，本研究建立了衡量向更自主型AI演进的行为基准。
原文摘要 · Abstract (English)
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 remains rare. By shifting attention from conversation topics to delegated decision authority, this work establishes a behavioural baseline for measuring the transition to increasingly agentic AI.
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