BIS_拥抱人工智能：意大利和美国家庭的比较-2026.pdfVIP

BISWorkingPapers

No1322

EmbracinggenAI:acomparison

ofItalianandUShouseholds

byDavidLoschiavo,OlivierArmantier,AntonioDalla

Zuanna,LeonardoGambacorta,MirkoMoscatelliand

IlariaSupino

MonetaryandEconomicDepartment

January2026

JELclassification:O33,D10,J24

Keywords:generativeartificialintelligence,technology

adoption,cross-countrycomparison,sociodemographic

factors,trustintechnology,culturalattitudes

BISWorkingPapersarewrittenbymembersoftheMonetaryandEconomic

DepartmentoftheBankforInternationalSettlements,andfromtimetotimebyother

economists,andarepublishedbytheBank.Thepapersareonsubjectsoftopical

interestandaretechnicalincharacter.Theviewsexpressedinthispublicationare

thoseoftheauthorsanddonotnecessarilyreflecttheviewsoftheBISoritsmember

centralbanks.

ThispublicationisavailableontheBISwebsite().

©BankforInternationalSettlements2026.Allrightsreserved.Briefexcerptsmaybe

reproducedortranslatedprovidedthesourceisstated.

ISSN1020-0959(print)

ISSN1682-7678(online)

EmbracingGenAI:

AcomparisonofItalianandUShouseholds∗

121

DavidLoschiavo,OlivierArmantier,AntonioDallaZuanna,Leonardo

311

Gambacorta,MirkoMoscatelli,andIlariaSupino

1BankofItaly

2EconomicScienceInstitute-ChapmanUniversity

3BankforInternationalSettlementsandCEPR

Abstract

ThispaperexploresthehouseholdadoptionofGenerativeArtific