No. 989 - Embracing GenAI: a comparison of Italian and US households

Questioni di Economia e Finanza (Occasional papers)
by David Loschiavo, Olivier Armantier, Antonio Dalla Zuanna, Leonardo Gambacorta, Mirko Moscatelli and Ilaria Supino
December 2025
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This paper explores the gap in household adoption of Generative Artificial Intelligence (GenAI) between Italy and the US, highlighting the influence of socio-demographic factors. It also examines GenAI's expected impact on users' well-being and financial situation and assesses trust in the technology, both in relation to services performed directly by individuals and to the protection of personal data by institutions and firms when providing services that rely on GenAI tools.

The more extensive use of GenAI in the US than in Italy reflects socio-demographic differences, especially the larger share of young and highly-educated people in the US In Italy, however, users have more trust in GenAI's potential to improve their well-being and financial situation and a greater share of individuals express confidence in the institutions' ability to protect personal data. In both countries, GenAI is regarded as less reliable than services provided directly by individuals.

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  1. 17 December 2025
    No. 989 - Embracing GenAI: a comparison of Italian and US households
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