Yahoo Finance
OpenAI's ChatGPT sparked a frenzy when it launched in late 2022, touching off an arms race among tech giants.
Since then, companies including OpenAI, Google, Anthropic, Meta and Microsoft have poured billions of dollars into AI models, assistants and tools designed to help users write emails, answer questions, plan trips, analyze documents and even serve as personal assistants.
The technology has inspired both enthusiasm and skepticism.
Some users now rely on AI every day for work, school and personal tasks.
Others remain wary of its tendency to make mistakes, have concerns about privacy or simply don't see enough value to justify paying for it.
Jeff Bezos backs a platform that lets anyone invest in rental homes for as little as $100 —here are 5 ways to build wealth like a landlord without actually being one Robert Kiyosaki saysthis 1 asset will surge 400% in a yearand begs investors not to miss this 'explosion' Millionaires under 43 hold only 25% of their wealth in stocks.Here's where their money is actually going That divide may help explain a surprising finding from a new Bank of America Institute report (1): Despite the intense hype surrounding AI, only about 3% of households currently pay for AI services.
According to Bank of America payments data (1), approximately 3% of households paid for AI services in 2026, spending a median of $20 per month as of February.
While adoption remains relatively low, participation is growing quickly.
The number of households making AI-related payments was up 38% compared to the 2024 average.
The report suggests consumers are most willing to pay when AI saves time, simplifies decisions or combines multiple tasks into one service.
Shopping for electronics and planning vacations ranked among the most common consumer uses for AI-powered tools.
Most paying customers are still spending relatively modest amounts.
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