Eight in 10 Gen Z investors are using artificial intelligence (AI) to get investment-related advice, the findings showed.

A survey by British polling firm Opinium, cited by IT outlet TechRadar on Wednesday, found that 58% of Gen Z investors said they would use AI to decide where to invest. The survey covered 1,000 UK investors.

Gen Z’s AI use far exceeded that of baby boomers at 17% and Generation X at 47%. Younger investors also showed a tendency to use tools such as ChatGPT and Gemini not only to learn investment terms and research products but also to judge how to allocate funds.

The trust gap on AI also varied clearly by generation. Among Gen Z investors, 29% said they do not trust AI-generated information, compared with an all-age average of 49%. Among respondents who had actually used AI, 72% said they trust it.

This trend also dovetailed with broader investment accessibility. Some 43% of respondents said they started using AI tools because they are free, while 41% cited speed and convenience. That suggests they help lower barriers for users with limited investing experience.

Among female investors, 38% said they feel more comfortable asking AI than people. The figure for male investors was 27%. Opinium explained that AI chatbots reduce the psychological burden beginner investors feel when asking basic questions.

Many respondents said using AI for financial decision-making requires strong trust safeguards. The most cited conditions were evidence showing the accuracy and timeliness of information at 28%, the ability to cross-check with other information at 25%, and transparency about sources used at 23%.

James Nikantrou (제임스 니칸드루), associate director at Opinium, said, "Trust still depends on transparency." He said investors want information to be accurate and easy to verify. He added, "The more widely AI is used in financial judgement, the more important clear safeguards and guidance systems become."

Similar trends were confirmed in other research. In figures compiled by market research firm Yonder in work with the UK Financial Conduct Authority (FCA), 72% of consumers said they use AI to summarise or get explanations of personal financial information, and 61% said they also ask for suggested actions. A previous Freetrade survey found that 91% of respondents said they were not confident about investing.

Ultimately, AI is rapidly expanding investment learning and access to information for younger people, but as it moves toward replacing or supporting financial judgement, verification, source disclosure and safeguards are increasingly being demanded. Separate from its spread as a tool for getting started in investing, designing trust in the financial decision-making arena is emerging as a key task.