盖洛普民调最新数据显示，美国成人中约有20%在寻求财务建议时使用了AI工具[1]。然而，这一使用率与信任度之间存在明显落差——仅30%的美国成人对AI管理金钱的专业能力表示有一定信心，其中仅3%表示高度信任[1]。相比之下，80%的美国成人对专业财务顾问有信心，尽管只有三分之一的人实际使用过此类服务[1]。
在信息获取方式上，73%的美国成人依赖互联网自主研究来获取财务建议[1]。年龄差异显著地影响了AI的使用意愿——约四分之一的Z世代和千禧一代使用AI进行财务决策，而婴儿潮一代的使用率仅为7%[1]。专家认为，AI应被视为辅助学习工具而非决策主体。MIT Sloan管理学院副教授Taha Choukhmane建议将AI与其他可信来源结合使用[1]，而认证财务规划师Bobbi Rebell则指出AI缺乏受信责任，无法了解个人的具体财务情况[1]。
本次调查由盖洛普与金融服务公司Edward Jones联合进行，于2026年3月20日至4月6日期间实施，样本量为5075人，误差范围为±1.8个百分点[1]。
A Gallup poll reveals a significant gap between Americans' use of artificial intelligence for financial advice and their confidence in the technology [1]. Approximately one-fifth of US adults seeking financial guidance have turned to AI, yet only 30% of all American adults express confidence in AI's ability to manage money responsibly, with just 3% reporting high trust in the technology [1].
The survey, conducted from March 20 to April 6, 2026, among 5,075 respondents with a margin of error of plus or minus 1.8 percentage points, highlights divergent patterns across age groups [1]. About one-quarter of Generation Z and millennial adults use AI for financial advice, compared to just 7% of baby boomers [1]. Meanwhile, 80% of US adults express confidence in professional financial advisors, though only one-third actually use them, while 73% rely on independent internet research for financial guidance [1].
Experts caution against overreliance on AI for money management decisions. Taha Choukhmane, an associate professor at MIT Sloan School of Management, recommends treating AI as a learning tool while consulting other trusted sources [1]. Certified financial planner Bobbi Rebell emphasizes that AI lacks fiduciary responsibility and cannot account for individual circumstances [1].