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Nearly 80% of Americans Use AI Tools, But Prefer Human Financial Decisions
AI Adoption Widespread in US, Financial Trust Builds Gradually
According to TD's Second Annual U.S. AI Insights Report, approximately 78% of Americans now use AI-enabled tools in their daily lives, with 67% reporting increased proficiency compared to last year. Despite the rapid adoption of AI, trust in financial applications is developing more gradually. Only 18% of survey respondents stated they would trust AI to make financial recommendations on its own, highlighting the continued importance of human involvement. This indicates a shift of AI from experimentation to everyday expectation.
AI Adoption Accelerates Across Generations, Human Oversight Remains Key
The nationwide survey confirmed an acceleration of AI adoption across all generations, with 90% of Gen Z reporting AI usage. Usage is also widespread among Millennials, Gen X, and Baby Boomers. In personal finance, consumer use of AI for financial management has significantly increased from 10% last year to 55% today. However, comfort levels with specific AI-enabled financial activities, such as budgeting or automating savings goals, have remained steady rather than accelerating, suggesting that trust is building gradually, not automatically. This reinforces a preference for hybrid experiences that combine AI efficiency with clear human expertise.
*Source: TD Stories (2026-03-31)*
