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People trust machines more than human for private, financial information: Study

ANI | Updated: May 11, 2019 18:43 IST

Washington D.C [U.S.A], May 11 (ANI): People tend to trust machines more than humans when it comes to sharing their private information and access to financial data, which could lead to both positive and negative online behaviour, a recent study revealed.
In a study, people who trusted machines were significantly more likely to hand over their credit card numbers to a computerised travel agent than a human travel agent. A bias that that machines are more trustworthy and secure than people -- or the machine heuristic -- may be behind the effect, said S. Shyam Sundar, James P. Jimirro, co-director of the Media Effects Research Laboratory and an affiliate of Penn State's Institute for CyberScience (ICS).
"This tendency to trust the machine agent more than the human agent was much stronger for people who were high on the belief in the machine heuristic," said Sundar.
"For people who did not believe in the machine heuristic, it didn't make a difference whether the travel agent was a machine or a human," added Sundar.
This suggests that the presence of a machine agent on the interface served as a cue for triggering the heuristic or the ingrained belief that machines are superior, according to Sundar.
That faith in machines may be triggered because people believe that machines do not gossip, or have unlawful designs on their private information.
However, Sundar said while machines might not have ulterior motives for their information, the people developing and running those computers could prey on this gullibility to extract personal information from unsuspecting users, for example, through phishing scams, which are attempts by criminals to obtain user names, passwords, credit card numbers and other pieces of private information by posing as trustworthy sources.
"This study should serve as a warning for people to be aware of how they interact online. People should be aware that they may have a blind belief in machine superiority. They should watch themselves when they engage online with robotic interfaces," said Sundar.
On the other hand, because some people trust machines more, developers could use the findings to create more user-friendly websites and applications that make people feel more comfortable completing transactions online, according to the researchers.
"One way we can leverage this heuristic, especially for design, is, if you want to engender greater trust and you are building an automated system, or an algorithm, making sure you identify it as a machine-based system -- and there is no human in the loop -- could actually increase trust," Sundar said.
"This is especially true in areas where involvement of humans can lead to unpredictable and undesirable outcomes," Sundar added.
Sundar added that people with a high degree of trust in machines only need subtle design indications that they are interacting with a machine.
"In all of this, one thing I would like to stress is that the designers have to be ethical. They should not unethically try to extract information from unsuspecting consumers," said Sundar.
The researchers recruited 160 participants from Amazon Mechanical Turk, an online crowdsourcing website. The participants were asked to use either a human or a machine chat agent to find and purchase a plane ticket online.
After the agent returned the flight information, it prompted the participants for their credit card information. The participants then reported their intentions to provide that information. The researchers measured the participants' trust of machines by asking them to respond to a series of five statements about interacting with machines.
Future research will examine the role of machine heuristic in promoting people's trust toward artificial intelligence or AI systems, particularly chatbots, smart speakers and robots. (ANI)