SOURCE-LINKED INTELLIGENCE

Trustworthy FinAInce: Unpacking How AI-Mediated Financial Advice is Judged

arXiv · AI, language, vision and robotics · article · Sep 17, 2026 · UTC

As generative AI is increasingly used as a source of personal financial guidance, understanding how people appraise such advice is important for supporting appropriate reliance. We conducted a randomized vignette experiment with 285 U.S. adults across eight financial decisions, independently varying three advice styles---AI, expert, and online community---and displayed source labels while holding the underlying recommendation consistent. Advice style most strongly shaped message and safety appraisals, Expert labels selectively increased perceived source knowledge, and decision context primaril

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