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Stripe

Industry researchnorthamerica · us
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Representative Papers

From Information to Delegation: Mapping Human-AI Financial Decision Making

Aug 03, 2026

This study addresses the need to quantify human information demands and delegation behaviors in financial decision-making involving artificial intelligence, thereby elucidating the mechanisms underlying human–AI allocation of decision authority. To this end, we propose a novel measurement framework that integrates intent recognition with actual delegation behavior, shifting the analytical focus from conversational content to observable authorization actions. Leveraging 1.5 million real-world interaction logs between users and high-autonomy AI systems—specifically ChatGPT and Gemini—we establish an empirical behavioral benchmark in contexts where AI exhibits substantial autonomy. Our findings reveal that users predominantly rely on AI for information acquisition and judgment support, yet rarely delegate actual execution of financial transactions, offering both empirical grounding and methodological innovation for understanding collaborative human–AI decision-making.

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Latest Papers

From Information to Delegation: Mapping Human-AI Financial Decision Making

Aug 03, 2026

This study addresses the need to quantify human information demands and delegation behaviors in financial decision-making involving artificial intelligence, thereby elucidating the mechanisms underlying human–AI allocation of decision authority. To this end, we propose a novel measurement framework that integrates intent recognition with actual delegation behavior, shifting the analytical focus from conversational content to observable authorization actions. Leveraging 1.5 million real-world interaction logs between users and high-autonomy AI systems—specifically ChatGPT and Gemini—we establish an empirical behavioral benchmark in contexts where AI exhibits substantial autonomy. Our findings reveal that users predominantly rely on AI for information acquisition and judgment support, yet rarely delegate actual execution of financial transactions, offering both empirical grounding and methodological innovation for understanding collaborative human–AI decision-making.

0 citationsRead paper