Anthropomorphic design is routinely used to make conversational agents more approachable and engaging. Yet its influence on users' perceptions remains poorly understood. Drawing on psychological theories, we propose that anthropomorphism influences risk perception via two complementary forms of trust, and that domain knowledge moderates these relationships. To test our model, we conducted a large-scale online experiment (N = 1,256) on a financial decision-support system implementing different anthropomorphic designs. We found that anthropomorphism indirectly reduces risk perception by increasing both cognitive and affective trust. Domain knowledge moderates these paths: participants with low financial knowledge experience a negative indirect effect of perceived anthropomorphism on risk perception via cognitive trust, whereas those with high financial knowledge exhibit a positive direct and indirect effect. We discuss theoretical contributions to human-AI interaction and design implications for calibrating trust in anthropomorphic decision-support systems for responsible AI.

翻译：拟人化设计常被用于提升对话代理的亲和力与吸引力，但其对用户感知的影响机制尚不明确。基于心理学理论，我们提出拟人化通过认知信任与情感信任两种互补的信任形式影响风险感知，且领域知识对上述关系具有调节作用。为验证模型，我们在采用不同拟人化设计的金融决策支持系统中开展了大规模在线实验（N = 1,256）。研究发现：拟人化通过同时增强认知信任与情感信任，间接降低风险感知。领域知识调节这些路径：金融知识水平较低的参与者通过认知信任路径经历拟人化感知对风险感知的负向间接影响，而高金融知识参与者则表现出正向的直接与间接影响。本文讨论了该发现对人机交互理论建设的贡献，并为负责任人工智能领域校准拟人化决策支持系统的信任机制提供了设计启示。