Financial Investments: 11% of French People Use AI for Information, Says AMF
Limited Use Before an Investment
Artificial intelligence is starting to appear in financial information practices, although it is not yet a dominant source. According to the AMF Savings and Investment Barometer 2025, based on a survey conducted with 2,120 people between September 19 and October 3, 2025, 11% of French respondents report using AI as a source of information before making a financial investment. The primary reference remains the bank or financial advisor, mentioned by 42% of respondents.
A Significant Gap Based on Age and Education Level
The use of AI varies significantly depending on the profile of investors. According to the AMF, 19% of those under 35 report using artificial intelligence before making an investment, compared to 4% of those over 55. Educational attainment also plays a role: 17% of individuals with a level higher than a two-year post-secondary degree use it in this context, compared to 5% of individuals without a diploma or who hold only a middle school certificate.
Increased Usage Among Risk-Exposed Investors
The use of artificial intelligence is higher among certain investors already engaged in risky or less traditional assets. 33% of crypto-asset investors, 24% of crowdfunding investors, and 19% of stock market investors report using AI as a source of information before making an investment. This practice is also more common among French investors willing to accept more risk to maximize their returns, with 29% indicating they use it.
A Tool Primarily Used to Supplement Other Sources
AI is rarely used on its own to gather information before investing. Among the French who report using it prior to making an investment, 54% use it to supplement their own research, especially online, and 41% use it alongside information provided by their financial institution or advisor. Exclusive reliance on artificial intelligence remains very limited: it concerns 5% of these users.
Gains Realized, but High Vigilance on Risks
The French identify certain potential benefits when AI is used by investment professionals. According to the AMF, 54% of respondents believe it could provide more tailored advice to their personal situation, while 52% think it could improve investment performance and reduce fees. However, these expectations are accompanied by significant reservations: 67% of the French believe this use could lead to errors or result in poor decisions, a proportion that reaches 75% among those aged 18-35. Moreover, 57% of respondents are concerned about a lack of transparency in investments.
Direct use for guiding investments still limited
Among those holding at least one savings or investment product, the use of AI to modify or guide investments remains limited. According to the institution, 67% say they never use it in this context, 28% use it occasionally, and 5% do so frequently. These figures confirm that artificial intelligence is still more of an occasional aid than a central tool in investment decisions.
A Key Indicator for Investment Professionals
The AMF Barometer indicates a still limited, yet already visible adoption of artificial intelligence in the information journey of savers. The tool is more widely used by young people, graduates, and investors involved in riskier assets, but it is often combined with other information sources. For savings professionals, these results highlight the importance of education, transparency, and management of its uses.
Source
This content has been automatically translated using artificial intelligence. While we strive for accuracy, some nuances may differ from the original French version.
