Template-Type: ReDIF-Paper 1.0
Author-Name: Koji Takahashi
Author-X-Name-First: Koji
Author-X-Name-Last: Takahashi
Author-Name: Joon Suk Park
Author-X-Name-First: Joon Suk
Author-X-Name-Last: Park
Title: Generative AI for surveys on payment apps: AI views on privacy and technology
Abstract: This study uses ChatGPT to simulate survey responses about payment apps, focusing on privacy and perceived benefits. By designing prompts that mirror real user characteristics, the generated responses align with findings from a Dutch survey, especially when grouped by privacy concern. Privacy-concerned agents view apps less favorably, while users show more positive attitudes than non-users, even without such traits in the prompt. However, ChatGPT fails to match the real survey's response variability and tends to overstate privacy concerns. These results indicate that generative AI can complement but not replace human surveys for studying perceptions of payment tools.
Creation-Date: 2026-03
File-URL: https://www.bis.org/publ/work1333.pdf
File-Format: Application/pdf
File-Function: Full PDF document
File-URL: https://www.bis.org/publ/work1333.htm
File-Format: text/html
Number: 1333
Keywords: ChatGPT, generative artificial agents, privacy paradox, Westin index, survey, payment
Classification-JEL: M31, C83, C45, D12, L86
Handle: RePEc:bis:biswps:1333