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  • Trusting the machine : the impact of framing, emotional intelligence, and personality traits on the acceptance of ai-generated financial advice
    Publication . Sprenger, Ben; Mendonça, Cristina
    The rise of AI-based financial advisory tools has significantly transformed the investment management landscape, making it essential to understand the factors shaping trust and user acceptance of AI-generated advice. This thesis investigates how psychological traits including emotional intelligence, personal innovativeness in the domain of information technology (PIIT), and agreeableness influence trust and advice-taking behavior in the context of AI-generated investment recommendations. In addition, it examines how positively versus negatively framed informational texts about robo-advisors affect user perception and behavior. An online survey was conducted with N = 324 participants, who were randomly assigned to one of the framing conditions. Participants then evaluated the AI-generated advice and completed validated psychological assessments. The results show that framing consistently influenced advice-taking behavior, with participants in the positive framing condition being significantly more likely to accept the AI9s recommendation. Emotional intelligence showed a marginally significant positive effect on advice acceptance, offering partial evidence for its role. In an exploratory model predicting trust, emotional intelligence emerged as a consistent positive predictor. Agreeableness demonstrated a robust and reliable effect across models, making it a key factor in predicting trust in and acceptance of AI-generated financial advice. In contrast, PIIT did not significantly predict either outcome. In summary, these findings underscore the importance of how AI tools are presented to users. They also highlight that individual psychological traits, particularly agreeableness and emotional intelligence, play an important role in shaping trust and acceptance of AI-based financial advice.
    2025-10-15Dissertação de mestrado Acesso aberto Ver mais