Business Wire·Mar 31, 2026, 8:04 AM ET

Nearly 80% of Americans use AI Tools but Most Still Want Humans Making Financial Decisions, TD Survey Finds

TD's second annual U.S. AI Insights Report reveals AI has shifted from experimentation to everyday expectation, with 78% of Americans now using AI tools daily.
67% of consumers report increased proficiency with AI compared to last year, while adoption rates vary by generation, reaching 90% among Gen Z.
In personal finance, AI usage rose from 10% to 55% year-over-year, with highest adoption among Gen Z (77%) and Millennials (72%).
Trust in AI remains situational, with only 18% of respondents trusting AI to make financial recommendations autonomously.
Consumers prefer hybrid banking models where AI supports behind-the-scenes functions like fraud detection (67%) rather than acting as an autonomous decision-maker.
62% of respondents trust AI to provide honest and reliable information, an increase from roughly 50% last year, though trust in friends/family (90%) and banks (85%) remains higher.
The survey, conducted by Big Village from Feb. 18–25, 2026, included 2,504 weighted American respondents aged 18 and older.
TD emphasizes that human accountability, transparency, & security are foundational requirements for AI deployment in financial services.