国际清算银行-用于支付应用调查的生成式人工智能：人工智能对隐私和技术的看法.pdfVIP

BISWorkingPapers

No1333

GenerativeAIforsurveyson

paymentapps:AIviewson

privacyandtechnology

byKojiTakahashiandJoonSukPark

MonetaryandEconomicDepartment

March2026

JELclassification:M31,C83,C45,D12,L86

Keywords:ChatGPT,generativeartificialagents,privacy

paradox,Westinindex,survey,payments

BISWorkingPapersarewrittenbymembersoftheMonetaryandEconomic

DepartmentoftheBankforInternationalSettlements,andfromtimetotimebyother

economists,andarepublishedbytheBank.Thepapersareonsubjectsoftopical

interestandaretechnicalincharacter.Theviewsexpressedinthispublicationare

thoseoftheauthorsanddonotnecessarilyreflecttheviewsoftheBISoritsmember

centralbanks.

ThispublicationisavailableontheBISwebsite().

©BankforInternationalSettlements2026.Allrightsreserved.Briefexcerptsmaybe

reproducedortranslatedprovidedthesourceisstated.

ISSN1020-0959(print)

ISSN1682-7678(online)

GenerativeAIforSurveysonPaymentApps:

AIViewsonPrivacyandTechnology*

KojiTakahashi†JoonSukPark‡

March2,2026

Abstract

ThisstudyusesChatGPTtosimulatesurveyresponsesaboutpaymentapps,focusingon

privacyandperceivedbenefits.Bydesigningpromptsthatmirrorrealusercharacteristics,

thegeneratedresponsesalignwithfindingsfromaDutchsurvey,especiallywhengrouped

byprivacyconcern.Privacy-concernedagentsviewappslessfavorably,whileusersshow

morepositiveattitudesthannon-users,evenwithoutsuchtraitsintheprompt.However,

ChatGPTfailstomatchtherealsurvey’sresponsevariabilityandtendstooverstateprivacy

concerns.Theseresultsindicatethatgen