Generative AI for surveys on payment apps: AI views on privacy and technology

Koji Takahashi and Joon Suk Park

No 1333, BIS Working Papers from Bank for International Settlements

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.

Keywords: ChatGPT; generative artificial agents; privacy paradox; Westin index; survey; payment (search for similar items in EconPapers)
JEL-codes: C45 C83 D12 L86 M31 (search for similar items in EconPapers)
Date: 2026-03
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