Anthropic、OpenAI 和其他领先的 AI 公司正将目光投向金融顾问领域；Fitch Ratings 的一份报告称，如果客户对非人类 AI 代理建立信任，该领域面临被 AI 解决方案完全取代的巨大威胁。许多消费者正转向 ChatGPT、Claude 和其他 AI 参与者，寻求管理个人预算和投资的帮助，建立复杂提示、打造代理，并要求机器人重新平衡资产配置、找出投资组合中的弱点、标出新的投资机会，有时还执行这些交易。
AI 公司看到了一个巨大机会，因为这个行业并不以率先采用技术闻名，而效率也是其推销说法的一部分。后台人员正在缩减，但裁员尚未波及顾问人力。顾问们欢迎 AI 用于记笔记、处理文件以及枯燥的行政任务，但坚称大多数人仍会希望由其他人类来管理自己的钱，尤其是在金额庞大时。
Intuit Credit Karma 去年调查的 Gen Z 受访者中，约 80% 表示他们正在将 AI 用于个人财务，而 AI 取代顾问的前景近几个月来已令市场不安。Altruist 在 2 月宣布一款 AI 驱动的税务规划工具时，Charles Schwab 等金融服务公司的股价大幅下跌。一项对 AI 提供的金融建议的分析发现，约三分之一的时间里，AI 会编造内容；而 Credit Karma 的一项调查发现，采纳 AI 金融建议的人中有一半表示，这导致了糟糕的财务决策或错误。
Anthropic, OpenAI and other leading AI companies have their sights set on the financial advisory world, which a Fitch Ratings report said is under great threat of being fully substituted by AI solutions if customers build trust in non-human AI agents. Many consumers are turning to ChatGPT, Claude and other AI players for help managing personal budgets and investments, creating elaborate prompts, building agents, and asking bots to rebalance asset allocations, find weaknesses in portfolios, highlight new investment opportunities, and sometimes execute those transactions.
The AI companies see a huge opportunity in an industry not known for being early adopters of tech, with efficiency as part of the pitch. Back-office staff is shrinking, but the culling has not yet come to the advisory workforce. Advisers welcome AI for note-taking, handling documentation, and boring administrative tasks, but insist most humans will want other humans to handle their money, especially when it is a hefty sum.
Some 80% of Gen Z-ers surveyed by Intuit Credit Karma last year said they were using AI for their personal finances, and the prospect of AI usurping advisers has rattled the market in recent months. When Altruist announced an AI-powered tax planning tool in February, shares of financial services companies like Charles Schwab took sharp falls. One analysis of AI-provided financial advice found that about a third of the time, AI made things up, and a Credit Karma survey found that half of people who acted on financial advice from AI said it led to a poor financial decision or mistake.