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Access to Live AI Advice and Behavior Under Risk: An Incentivized Experiment

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  • Paul Althaus
  • Leon Houf
  • Christiane Schwieren

Abstract

Generative AI has become an everyday advisor, and the systems people consult are live and interactive, not pre-scripted. We ask whether access to such a system changes behavior under risk. In an incentivized experiment (N = 158), participants made lottery choices with an optional decision aid presented as a conventional pre-written tool, a live one-shot AI, or a live interactive AI they could query, with information format held equivalent across conditions. Risk preferences are elicited via DOSE. We find no evidence that access to a live AI advisor changes risk aversion.

Suggested Citation

  • Paul Althaus & Leon Houf & Christiane Schwieren, 2026. "Access to Live AI Advice and Behavior Under Risk: An Incentivized Experiment," Papers 2609.07358, arXiv.org, revised Sep 2026.
    • Handle: RePEc:arx:papers:2609.07358
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