Annie, Are You Okay? How Style- and Context-Based Personalization Shape AI-Assisted Decision-Making

2026-09-21

AI Summary

研究通过实验探讨了基于风格和情境的个性化在AI辅助决策中的影响，发现情境个性化更显著改变用户决策行为。

Abstract

As people turn to generative AI for financial advice, these systems can personalize how they communicate and what they say. Whether these forms of personalization shape decisions differently remains unclear. We conducted a preregistered 2 x 2 between-subjects factorial experiment (N=240): participants ranked three comparably viable stocks, discussed them with an AI, and reranked them. Participants perceived both forms of personalization, but only context-based personalization reliably changed ranking behavior: it increased reconsideration and moved rankings toward the AI's assigned recommendation. Participants felt more influenced without judging the AI as more correct, trustworthy, intelligent, likeable, or high-quality. Those initially farther from its recommendation moved more toward it while judging its advice less correct; exploratory analyses suggest greater susceptibility among lower-expertise participants. These findings show how personalized AI can steer decisions among defensible options with only a minimal evaluative trace, raising concerns for the design and governance of personalized decision support.

Problem

• personalization
• decision-making
• AI-assisted

Innovation

• context-based personalization
• decision-making
• AI-assisted advice
• personalized decision support