Artificial intelligence (AI) is a cost-efficient innovation that challenges customers' consumption patterns and fears of uncertainty. This study assesses whether the likelihood that consumers adopt AI in banking services depends on tastes across different cultures. We propose a culturally-augmented Arrow–Bilir–Sorensen model to assess the propensity that consumers use AI. Analyses of a unique ING Bank dataset encompassing 11,000 respondents from 11 countries reveal that success rates for the diffusion of robo-advisory financial services in retail banking vary substantially due to the cultural boundedness of choice. This bias seems to be associated with social capital rather than the fear of novelty.

中文翻译：

---

消费者人工智能采用率的文化相关性

人工智能 (AI) 是一种具有成本效益的创新，可以挑战客户的消费模式和对不确定性的恐惧。这项研究评估了消费者在银行服务中采用人工智能的可能性是否取决于不同文化的品味。我们提出了一种文化增强的 Arrow-Bilir-Sorensen 模型来评估消费者使用 AI 的倾向。对包含来自 11 个国家的 11,000 名受访者的独特 ING 银行数据集的分析表明，由于选择的文化限制，机器人咨询金融服务在零售银行业务中的传播成功率差异很大。这种偏见似乎与社会资本有关，而不是对新奇事物的恐惧。