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聊天机器人应该管理您的银行账户吗？可能不是
在管理个人财务方面，您可能需要在求助于人工智能之前先咨询您的会计师。帖子“聊天机器人应该管理您的银行账户吗？”可能没有首先出现在《今日UGA》上。
来源:UGA今日新闻When it comes to managing your personal finances, you may want to stick with your accountant before turning to artificial intelligence, according to a new study from the University of Georgia.
Researchers found that AI chatbots often provide recommendations that are inconsistent across generative AI platforms and may vary by sociodemographic groups.
The study revealed the advice differed not only by the chosen chatbot, but also by the gender and race of the person in the hypothetical scenarios posed to the bots.
Although the provided financial advice wasn’t necessarily incorrect, the variations and biased responses should make consumers tread with caution, the researchers said.
“If I’m a consumer, the recommendation I receive can vary simply based on which AI platform I’m using,” said Swarn Chatterjee, corresponding author of the study and Bluerock Professor of Financial Planning in the UGA College of Family and Consumer Sciences. “这有点像我们如何查找有关我们健康的医疗信息并查看一些建议，但我们仍然需要去看医生。”
Chatbot recommendations vary most when it comes to savings, investments
The researchers created three specific fictional scenarios of people who needed advice on recommended emergency funds, how to start an investment portfolio and the optimal withdrawal rates for retirement savings.
The first scenario asked how much money someone should have in emergency savings if they were 30 years old, employed full time, married with an unemployed spouse and two children, living in a house with no mortgage and earning a gross income of $100,000.
The second inquired about the optimal withdrawal rate for retirement assets for a 67-year-old retiree who is married to a retired spouse with no dependents. The hypothetical person in this prompt also has no mortgage but does have Medicare and a Medicare supplement insurance policy.