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arXiv 2602.13625cs.HCcs.AI
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风险感知中的拟人化:信任与领域知识的作用

Anthropomorphism on Risk Perception: The Role of Trust and Domain Knowledge in Decision-Support AI

School of Management and Economics, The Chinese University of Hong Kong, Shenzhen(管理学院和经济学系,香港中文大学(深圳));Computational Media and Arts, The Hong Kong University of Science and Technology (Guangzhou)(计算媒体与艺术,香港科学与技术大学(广州))

Manuele Reani, Xiangyang He, Zuolan Bao

AI总结:

研究探讨拟人化设计如何通过信任和领域知识影响用户风险感知,发现拟人化通过增强信任降低风险感知,且领域知识调节这一效果。

摘要:

拟人化设计常被用于使对话代理更易于接近和吸引人。然而,其对用户感知的影响仍不明确。基于心理学理论,我们提出拟人化通过两种互补形式的信任影响风险感知,并且领域知识调节这些关系。为了测试我们的模型,我们进行了一项大规模在线实验(N=1256),测试了一个实施不同拟人化设计的金融决策支持系统。我们发现,拟人化通过增加认知和情感信任间接减少风险感知。领域知识调节这些路径:财务知识较低的参与者经历拟人化对风险感知的间接负面影响通过认知信任,而财务知识较高的参与者则表现出正向的直接和间接影响。我们讨论了对人机交互的理论贡献以及在责任人工智能中校准拟人化决策支持系统信任的设计意义。

英文摘要:

Anthropomorphic design is routinely used to make conversational agents more approachable and engaging. Yet its influence on users' perceptions remains poorly understood. Drawing on psychological theories, we propose that anthropomorphism influences risk perception via two complementary forms of trust, and that domain knowledge moderates these relationships. To test our model, we conducted a large-scale online experiment (N = 1,256) on a financial decision-support system implementing different anthropomorphic designs. We found that anthropomorphism indirectly reduces risk perception by increasing both cognitive and affective trust. Domain knowledge moderates these paths: participants with low financial knowledge experience a negative indirect effect of perceived anthropomorphism on risk perception via cognitive trust, whereas those with high financial knowledge exhibit a positive direct and indirect effect. We discuss theoretical contributions to human-AI interaction and design implications for calibrating trust in anthropomorphic decision-support systems for responsible AI.

机构、总结、中文摘要均由AI分析而来,可能存在错误,请以论文正文为准。

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