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Are LLMs Good Financial User Simulators? A Preliminary Study

arXiv · AI, language, vision and robotics · article · Sep 14, 2026 · UTC

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, traded security, and transaction quantity. We e

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Evidence & attribution

arXiv · AI, language, vision and robotics · 2026-09-14T15:23:26.000Z

First collected: 2026-09-20T09:41:04.278Z. This is not the publication date.