Artificial Finance: How AI Thinks About Money

In this paper, we explore how large language models (LLMs) approach financial decision - making by systematically comparing their responses to those of human participants across the globe. We posed a set of commonly used financial decision - making questions t o seven leading LLMs, including five models from the GPT series (GPT - 4o, GPT - 4.5, o1, o3 - mini), Gemini 2.0 Flash, and DeepSeek R1 . We then compared their outputs to human responses drawn from a dataset covering 53 nations. Our analysis reveals three main r esults. First, LLMs generally exhibit a risk - neutral decision - making pattern, favoring choices aligned with expected value calculations when faced with lottery - type questions . Second, when evaluating trade - offs between present and future, LLMs occasionally produce responses that appear inconsistent with normative reasoning . Third, when we examine cross - national similarities, we f ind that the LLMs' aggregate responses most closely resemble those of participants from Tanzania. These findings contribute to the understanding of how LLMs emulate human - like decision behaviors and highlight potential cultural and training influences embedded within their outputs.