Nudges and Designed Skepticism in Financial AI Advisor UX

This study examines the effects of nudges and designed skepticism in AI-based financial advisor user interfaces on users'decision-making. The results show that nudges increased investment intention in the absence of skepticism, whereas this effect was attenuated when designed skepticism was presented alongside the nudges. In addition, critical review intention and decision quality varied depending on the combination of the two factors. These findings highlight the importance of balancing persuasion and deliberation in the design of financial AI interfaces.