探索家庭采用和使用生成性人工智能：来自意大利的新证据（英）

BIS Working PapersNo 1298 Exploring householdadoption and usage of generative AI: new evidence from Italy by Leonardo Gambacorta, Tullio Jappelli and Tommaso Oliviero Monetary and Economic Department October 2025 JEL classification: D10, O33 Keywords: generative AI, households’ survey. BIS Working Papers are written by members of the Monetary and Economic Department of the Bank for International Settlements, and from time to time by other economists, and are published by the Bank. The papers are on subjects of topical interest and are technical in character. The views expressed in this publication are those of the authors and do not necessarily reflect the views of the BIS or its member central banks. This publication is available on the BIS website (www.bis.org). © Bank for International Settlements 2025. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISSN 1020-0959 (print) ISSN 1682-7678 (online) Exploring Household Adoption and Usage of Generative AI: New Evidence from Italy Leonardo Gambacorta, Tullio Jappelli, Tommaso Oliviero Abstract We present findings from a specialized module on generative artificial intelligence (gen AI) included in the Italian Survey of Consumer Expectations (ISCE), conducted in 2024 with a representative sample of Italian individuals. This analysis offers novel insights into current and anticipated interactions with gen AI tools and the potential benefits from adoption. As of April 2024, 75.6% of the Italian population aged 18–75 was aware of gen AI, 36.7% had used it in the previous 12 months, and 20.1% reported monthly usage. Socio-economic factors significantly influence adoption rates, with higher usage observed among men, individuals with college degrees, and younger individuals, particularly students. Looking ahead, gen AI is expected to be used more frequently for education and leisure activities in the coming months. Finally, using a Mincer earnings regression, we highlight that the income return associated with gen AI usage is around 2%. JEL classification: D10; O33. Keywords: Generative AI; households’ survey. This research has been funded by the European Union - Next Generation EU, part of the GRINS - Growing Resilient, Inclusive and Sustainable Project framework (GRINS PE00000018 – CUP E63C22002140007). Leonardo Gambacorta is affiliated with the Bank for International Settlements (BIS) and CEPR. Tullio Jappelli and Tommaso Oliviero are affiliated with the University of Naples Federico II and CSEF. We thank participants at the ESPE annual congress (2025, Naples), the GRINS Spoke 3 workshop, virtual. The views expressed in this project are those of the authors and do not necessarily reflect those of the Bank for International Settlements and the European Union. 1 1. IntroductionThe widespread availability of modern generative artificial intelligence (gen AI, hereafter) is predicted to have a profound socio-economic impact on our societies. Since late 2022