发表机构
Stripe Partners; Imperial College（Stripe Partners; 帝国理工学院）
机构由 AI 辅助整理，请以论文原文为准。AI 中文总结
该研究提出结合意图与委托决策权的行为测量框架，分析美印6304名用户的150万次ChatGPT和Gemini交互，发现金融服务是AI重要场景，消费者多使用AI获取信息，委托执行罕见，为代理性AI过渡建立行为基线。
AI 中文摘要
随着人工智能越来越多地参与人类决策，理解决策权在人类与AI之间的分配方式已成为一个基本的行为问题。我们引入了一种结合意图和委托决策权的行为测量框架，以量化消费者从AI中寻求什么以及他们赋予AI多少决策权。该框架应用于来自美国和印度6304名用户的150万次真实世界ChatGPT和Gemini交互，我们发现金融服务已经是AI的重要使用场景。消费者绝大多数使用AI来检索信息和形成金融判断，而委托金融执行的情况仍然很少。通过将注意力从对话话题转向委托决策权，这项工作为向越来越具代理性的AI过渡建立了一个行为基线。
英文摘要
As AI increasingly participates in human decision making, understanding how decision-making authority is distributed between humans and AI has become a fundamental behavioural question. We introduce a behavioural measurement framework combining intent and delegated decision authority to quantify what consumers seek from AI and how much decision-making authority they assign to it. Applied to 1.5 million real-world ChatGPT and Gemini interactions from 6,304 users in the United States and India, we find that financial services are already a substantial AI use case. Consumers overwhelmingly use AI to retrieve information and shape financial judgement, while delegation of financial execution remains rare. By shifting attention from conversation topics to delegated decision authority, this work establishes a behavioural baseline for measuring the transition to increasingly agentic AI.
