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This study establishes a critical behavioral baseline by analyzing 1.5 million interactions, revealing that while users heavily rely on AI for financial information retrieval and judgment shaping, actual delegation of execution authority remains rare in current applications. The research shifts the focus from simple conversation topics to quantifying delegated decision power, offering essential insights into how humans are transitioning toward increasingly autonomous agentic systems within high-stakes domains like finance.
From Information to Delegation: Mapping Human-AI Financial Decision Making
arXiv:2608.02100v1 Announce Type: cross Abstract: 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.
Abstract: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.
Human-Computer Interaction (cs.HC); Machine Learning (cs.LG)
arXiv:2608.02100 [cs.HC]
(or arXiv:2608.02100v1 [cs.HC] for this version)
https://doi.org/10.48550/arXiv.2608.02100 Focus to learn more arXiv-issued DOI via DataCite (pending registration)
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