arXiv Artificial Intelligence

Are LLMs Good Financial User Simulators? A Preliminary Study

1 day ago 15.09.2026 07:00 👁 2 views
Are LLMs Good Financial User Simulators? A Preliminary Study

Quick summary

arXiv:2609.15727v1 Announce Type: new Abstract: Large language models (LLMs) are increasingly used as user simulators, but their ability to reproduce evolving individual financial decisions remains unclear. We present a preliminary study in a controlled paper-trading environment with 120 volunteers. Participants used non-redeemable virtual funds under real-time market conditions; no real brokerage accounts, real-money positions, or real transaction records were accessed. Given only information available before a prediction cutoff, a simulator predicts the participant's next-trading-day action,

Key takeaways

  • arXiv:2609.15727v1 Announce Type: new Abstract: Large language models (LLMs) are increasingly used as user simulators, but their ability to reproduce evolving individual financial decisions remains unclear.
  • We present a preliminary study in a controlled paper-trading environment with 120 volunteers.
  • Participants used non-redeemable virtual funds under real-time market conditions; no real brokerage accounts, real-money positions, or real transaction records were accessed.

Why it matters

“Are LLMs Good Financial User Simulators? A Preliminary Study” highlights the need for repeatable measurement rather than a single impressive demonstration. Independent validation across datasets and clearly stated limitations determine whether a result can guide product decisions.

Kaynak sitede devamını oku: arXiv Artificial Intelligence ↗