BMO Survey: More Than a Third of Americans Using AI to Manage Finances
BMO Survey: More Than a Third of Americans Using AI to Manage Finances
- 61% of Gen Z use AI to help manage their finances and investments – more than any other generation.
- 64% do not believe AI understands how emotions influence financial planning.
- 千禧一代中,61%的人使用人工智能来帮助管理他们的财务和投资——比任何其他年龄段的人都多。
- 64%的人认为人工智能不能理解情感如何影响财务规划。
CHICAGO, July 29, 2024 /PRNewswire/ - The BMO Real Financial Progress Index reveals a growing number of Americans, notably Gen Z, are increasingly using artificial intelligence (AI) to help manage their finances and investments.
2024年7月29日,芝加哥 /美通社/——BMO真实财务进步指数揭示出,越来越多的美国人,特别是千禧一代,越来越倚重人工智能(AI)来帮助管理他们的财务和投资。
Among the 37% of Americans using AI to help manage their finances, the most common uses include learning more about personal finance topics (49%), creating and/or updating household budgets (48%), identifying new investment strategies (47%), building savings (47%), and creating and/or updating their financial plans (46%). While AI is helping Americans manage some aspects of finances, around two thirds (64%) say AI cannot understand how emotions influence financial planning.
在使用AI来帮助管理他们财务的37%美国人中,最常见的使用方式包括学习更多个人金融话题(49%)、创建和/或更新家庭预算(48%)、新投资策略的发掘(47%)、储蓄的建立(47%)以及创建和/或更新他们的财务计划(46%)等。尽管AI正在帮助美国人管理财务的某些方面,但约三分之二的人(64%)认为AI无法理解情感如何影响财务规划。
"AI offers great potential in the way we handle our finances, providing real-time insights and analysis. However, managing money is more than analytics; it is a deeply personal relationship shaped by emotions, experiences, and unique life circumstances," said Paul Dilda, Head, U.S. Consumer Strategy, BMO. "While AI handles technical aspects and routine tasks, a professional advisor brings a human touch, offering personalized guidance and understanding. Together, they create a holistic approach to financial management, ensuring more Americans stay on track towards their goals and make real financial progress."
“AI为我们处理财务提供了巨大的潜力,提供实时的洞察和分析。然而,管理资金不仅仅是分析;它是一个深深的个人关系,受情感、经验和独特的人生境遇的影响,”BMO的美国消费者策略主管保罗·迪尔达说道,“虽然AI处理技术方面和例行任务,但专业顾问为财务管理增添人性化的触感,提供个性化的指导和理解。他们一起创造了一种全面的财务管理方法,确保更多美国人朝着他们的目标迈进,取得真正的财务进步。”
How Americans Are Using AI
美国人如何利用人工智能
The survey highlights how AI is continuing to shape how Americans learn, work, and communicate, including:
调查突显了AI如何在美国人学习、工作和交流方面不断塑造着,包括:
- Reshaping Research: Nearly three in five (59%) are using AI to ask questions about topics of interest and 40% are using the technology for data analysis.
- Productivity Planning: 39% leverage AI to build business, travel, exercise and meal plans and/or manage their schedules.
- Changing Content Creation: Many Americans are using AI in their creative process including developing written drafts (43%) and photo and/or video editing (42%)
- Accessible Intelligence: More than half believe AI can help people make more informed financial decisions (53%) and makes financial planning more accessible for everyone (52%).
- Optimistic Outlook: Among Americans not using AI for their finances, nearly a third are considering using the technology to learn more about personal finance topics (32%), increase their savings (31%), find new investment strategies (29%), create and/or update their household budgets (29%) and financial plans (27%), and/or for retirement planning (27%).
- 重塑研究:将近三分之五(59%)的人使用AI来提问有关话题,并有40%的人使用该技术进行数据分析。
- 提高生产力规划:39%的人利用AI来制定业务、旅行、锻炼和饮食计划和/或管理他们的时间表。
- 改变内容创作:许多美国人在他们的创意过程中使用AI,包括草拟文稿(43%)、照片和/或视频编辑(42%)等。
- 普及的智能:超过一半的人认为AI可以帮助人们做出更明智的财务决策(53%),并使财务规划更加普及(52%)。
- 看好前景:在没有使用AI为财务管理的美国人中,近三分之一的人正在考虑使用技术来学习更多个人金融话题(32%)、增加储蓄(31%)、寻找新的投资策略(29%)、创建和/或更新家庭预算(29%)和财务计划(27%)以及养老计划(27%)。
The AI Generation Gap
AI一代鸿沟
As Gen Z Americans begin navigating life changes, most are leveraging AI to plan for upcoming financial milestones – more than any generation. Gen Z are the most likely to use AI to ask questions about topics of interest (82%), create written drafts (75%), build business, travel, exercise and/or meal plans (67%), and manage their finances and investments (61%).
随着千禧一代开始迎接人生变化,大多数人利用AI来为即将到来的财务里程碑进行规划——比任何其他年龄段的人都多。千禧一代最有可能使用AI来问有关话题(82%)、创建文稿(75%)、制定业务、旅行、运动和/或饮食计划(67%)以及管理他们的财务和投资(61%)等。
In the last six months, 22% of Gen Z needed to make a large purchase such as a car, home, etc., 18% attended university or college, 15% switched jobs, and 13% started a business. However, 85% of Gen Z say concerns about their overall financial situation is the leading source of financial anxiety, followed by fear of unknown expenses (80%), housing costs (79%) and keeping up with monthly bills (76%).
在过去的六个月中,22%的千禧世代需要购买汽车、房屋等大型物品,18%的人上了大学,15%的人换了工作,13%的人创业。然而,85%的千禧世代表示他们对整体财务情况的担忧是财务焦虑的主要源头,其次是未知开支(80%)、住房开销(79%)以及跟上月度账单(76%)。
58% of Gen Z believe AI can help people make more informed financial decisions and 55% are confident AI tools can help them make real financial progress.
58%的千禧世代相信AI可以帮助人们做出更明智的财务决策,55%的人有信心AI工具可以帮助他们取得真正的财务进步。
Making Real Financial Progress with BMO's Digital Tools
借助BMO的数字工具实现真正的财务进步
Among the 89% of Americans who believe they are making real financial progress (4+ on 10-pt scale), 82% are confident in their financial situation and 45% believe AI-powered tools can help them make real financial progress.
在认为自己正在取得真正财务进步的美国人中,占89%(10分制),82%表示对自己的财务状况有信心,45%认为AI技术可以帮助他们取得真正的财务进步。
BMO offers the following savings tools and resources to help customers:
BMO为客户提供以下节约工具和资源:
- BMO Total Look: Customers can easily view, track and manage their BMO and non-BMO financial information, including mortgages, checking and savings accounts, credit cards, investments, loans and more.
- BMO SmartProgress: A free online personal finance education platform that breaks down complex financial concepts like investing, retirement planning, homeownership and credit management.
- BMO CreditView: No-fee, no-impact access to your credit score so you can start monitoring and building credit to potentially save more by getting better interest rates on a home or auto loan.
- BMO Savings Builder Account: Receive rewards for reaching specific savings milestones, set and track personalized financial goals and monitor progress.
- BMO Real Financial Progress Hub: A free digital resource that allows customers to easily access personal finance advice and guidance, as well as tools and resources to reach their own specific financial goals.
- 全景俯瞰:客户可以轻松查看、跟踪和管理自己的BMO和非BMO财务信息,包括抵押贷款、支票和储蓄账户、信用卡、投资、贷款等等。
- BMO SmartProgress:一款免费的在线个人教育平台,可分解投资、养老规划、买房和信用管理等复杂的金融概念。
- BMO CreditView:免费、无影响地查看您的信用评分,以便开始监测和建立信用,以期在购房或购车时获得更好的利率期货,从而节省更多资金。
- BMO Savings Builder Account:达到特定储蓄里程碑可获得奖励,设立并跟踪个性化的金融目标并监测进展情况。
- BMO Real Financial Progress Hub:一项免费数字资源,让客户可以轻松获取个人金融建议和指导,以及达成自己特定金融目标所需的工具和资源。
About the BMO Real Financial Progress Index
关于BMO真正的财务进步指数
Launched in February 2021, the BMO Real Financial Progress Index is an indicator of how consumers feel about their personal finances and whether they are making financial progress. The index aims to spark dialogue that will help consumers reach their financial goals and to humanize a topic that causes anxiety for many – money.
BMO真正的财务进展指数于2021年2月推出,是关于消费者对个人财务感受以及他们在取得财务进展方面的指数。该指数旨在引发对话,帮助消费者实现他们的财务目标,并人性化地处理许多人引起焦虑的主题——资金。
The research detailed in this document was conducted by Ipsos in the United States from May 31st to June 21st, 2024. A sample of n=2,501 adults ages 18+ in the United States were collected via the Ipsos panel. Quotas and weighting were used to ensure the sample's composition reflects that of the American population according to census parameters. This survey has a credibility interval of +/- 2.4 per cent 19 times out of 20, of what the results would have been had all American adults 18+ been surveyed.
本文档中详细的研究是由Ipsos于2024年5月31日至6月21日在美国进行的。从Ipsos面板中收集了一份18岁及以上美国成年人的n=2,501个样本。采用定额和加权的方法以确保样本的构成反映美国人口普查参数。此调查具有2.4%的置信度跨度,19次中有18次的结果会与所有美国成年人18岁以上被调查的结果一致。
About BMO Financial Group
关于BMO金融集团
BMO Financial Group is the eighth largest bank in North America by assets, with total assets of $1.4 trillion as of April 30, 2024. Serving customers for 200 years and counting, BMO is a diverse team of highly engaged employees providing a broad range of personal and commercial banking, wealth management, global markets and investment banking products and services to 13 million customers across Canada, the United States, and in select markets globally. Driven by a single purpose, to Boldly Grow the Good in business and life, BMO is committed to driving positive change in the world, and making progress for a thriving economy, sustainable future, and inclusive society.
BMO金融集团是北美第八大银行,截至2024年4月30日,其总资产为1.4万亿美元。服务客户200多年,BMO是一个多元化团队,由高度投入的员工提供个人和商业银行、财富管理、全球市场和投资银行产品和服务,为1300万客户在加拿大、美国和全球特定市场提供服务。BMO的驱动力源自一个目的,即勇敢地促进商业和生活中的良好进步,致力于推动世界的积极变革,为繁荣的经济、可持续的未来和包容的社会取得进展。
SOURCE BMO Financial Group
来源: BMO金融集团