arXiv · 2609.24644
Annie, Are You Okay? How Style- and Context-Based Personalization Shape AI-Assisted Decision-Making
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.
Explore related subjects
Keep this discovery
Explore connections, maps & timelines
Hasibur Rahman, Benjamin R. Cowan, Smit Desai. 2026-09-21. Annie, Are You Okay? How Style- and Context-Based Personalization Shape AI-Assisted Decision-Making. https://arxiv.org/abs/2609.24644
Cite the original work for its findings. Save a collection to share your selection of sources.