Effects of AI-generated personalized financial recommendations on engagement, intrusiveness, and fatigue
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This study examined how personalized financial recommendations generated by artificial intelligence influenced engagement, perceived intrusiveness, and message fatigue. A total of 222 participants took part in an online experiment using a 3 (personalization level: low, moderate, high) by 2 (AI disclosure: present, absent) mixed factorial design. Participants received dynamically generated financial recommendations based on their self-assessment answers. Results showed that engagement increased from low to moderate personalization and plateaued at high levels. Perceived intrusiveness and fatigue were highest at low personalization and declined as personalization increased. AI disclosure had no significant effect on engagement and intrusiveness, though perceived intrusiveness was positively correlated with fatigue across all conditions. The data suggests that this study's concept of personalization fatigue, characterized by heightened intrusiveness, low engagement, and high fatigue stemmed from low relevance rather than exposure to overly personalized messages.
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M.A.