Acceptance of AI-based tools in consumer financial decision-making: An application of the extended technology acceptance model

Tomasz Szopiński; Michał Buszko; Małgorzata Porada-Rochoń

PLOS One · 2026-03-19
Peer-reviewed research article · Version of record · CC BY 4.0 · 13,220 words

Original source: Volume 21 · Issue 3 · e0344901

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Title: Acceptance of AI-based tools in consumer financial decision-making: An application of the extended technology acceptance model
Human authorship: Tomasz Szopiński; Michał Buszko; Małgorzata Porada-Rochoń
Source: Complete manuscript edition 2026-10-22
Editorial record: Attributed Creative Commons source edition. Original publication and authorship remain with the source. Hosting is not a new peer-review decision.

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Original authors / creators: Tomasz Szopiński; Michał Buszko; Małgorzata Porada-Rochoń
Original publication: PLOS One · Public Library of Science · 2026-03-19
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doi:10.1371/journal.pone.0344901
License & retained notices: CC BY 4.0
2026 Szopiński et al This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.
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2026 Szopiński et al This is an open access article distributed under the terms of the Creative Commons Attribution License , which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.
Edition changes: Licensed narrative text edition. Original headings, paragraphs and references are preserved with normalized whitespace and layout. Figures, tables, display equations and separately licensed third-party material are not reproduced; use the linked original full text for those elements and definitive pagination. This is an attributed republication, not newly conducted research.
Evidence limits: The cross-sectional sample consisted primarily of digitally competent young adults connected with three Polish universities. Self-reported use and perceptions do not establish real-world decision quality, representativeness of family-office beneficiaries, or safety of any current AI system.
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Preserved record: Rights and full text checked 2026-10-22. Included in this volume on 2026-10-22. Original source dates remain unchanged.
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