De La Rosa Wendy, Bechler Christopher J
The Wharton School, University of Pennsylvania, 3730 Walnut Street, Philadelphia, PA 19104, USA.
Mendoza College of Business, University of Notre Dame, 204 Mendoza College of Business, Notre Dame, IN 46556, USA.
Curr Opin Psychol. 2024 Aug;58:101843. doi: 10.1016/j.copsyc.2024.101843. Epub 2024 Jun 29.
There is considerable enthusiasm for the potential of artificial intelligence (AI) to improve financial well-being. Despite this enthusiasm, it is important to underscore AI's potential adverse effects on consumers' financial decisions. We introduce the AI-IMPACT model, a unifying theoretical framework for how AI can influence consumers' financial decisions. The model details how AI impacts the marketplace, affecting psychological processes and consumer traits core to financial decision-making (e.g., pain of payment, financial literacy). We use the AI-IMPACT model to illustrate one way AI can reduce financial well-being as its influence on the marketplace (e.g., facilitating biometric payment methods) decreases consumers' pain of payment, increasing spending. Lastly, we use the AI-IMPACT model to identify areas for future research at the intersection of AI and financial decision-making.
人们对人工智能（AI）改善财务状况的潜力抱有极大热情。尽管如此，强调人工智能对消费者财务决策可能产生的不利影响很重要。我们引入了AI-IMPACT模型，这是一个关于人工智能如何影响消费者财务决策的统一理论框架。该模型详细阐述了人工智能如何影响市场，影响财务决策核心的心理过程和消费者特征（例如支付痛苦、金融素养）。我们使用AI-IMPACT模型来说明人工智能降低财务状况的一种方式，即其对市场的影响（例如促进生物识别支付方式）会降低消费者的支付痛苦，从而增加支出。最后，我们使用AI-IMPACT模型来确定人工智能与财务决策交叉领域未来研究的方向。
