TD Bank says AI is rapidly becoming an everyday tool for American consumers, but trust still breaks down when money is on the line.
The TD Bank survey, which polled 2,504 US adults between February 18th and 25th, 2026, finds that 78% of Americans now use AI-enabled tools in their everyday lives, with 67% saying they are more proficient than a year ago.
More than half of respondents, 55%, say they now use AI to help manage financial decisions, up sharply from just 10% last year.
But the poll finds that confidence in AI drops when tasks shift from assistance to autonomy.
Only 18% of consumers say they would trust AI to make financial recommendations on its own, indicating that humans still want to control their own money.
Looking closer at AI use for financial decisions, the poll finds that consumers are most comfortable using AI for background tasks such as fraud detection (67%), tracking spending (66%), and calculating credit scores (66%), where the technology operates behind the scenes. But the level of comfort fades when AI is positioned as a decision-maker in higher-stakes scenarios.
Says TD Bank’s head of digital banking, payments and contact centers, Jo Jagadish,
“Consumers see real value in AI when it simplifies their experience, without losing the human touch. The year-over-year data reinforces that responsible design matters just as much as innovation.”
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