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Is AI Replacing Human Thinking? The Rise of "Cognitive Surrender"

February 24, 2026 / 14:54

This episode of The Ripple Effect features discussions on artificial intelligence, decision-making processes, and the concept of cognitive surrender with guests Gideon Nave and Steven Shaw from the Wharton School.

Gideon Nave, an Associate Professor of Marketing, and Steven Shaw, a postdoctoral researcher, share their research on how AI impacts human decision-making. They discuss the phenomenon of cognitive surrender, where individuals increasingly rely on AI for thinking and decision-making.

The conversation highlights the need to update traditional decision-making models to include AI as a third cognitive tier. Nave and Shaw emphasize the implications of this reliance on AI for critical thinking skills and the future of human cognition.

They also explore the potential consequences for businesses and education, questioning what value humans bring to companies if they surrender their thinking to AI. The discussion raises concerns about maintaining critical thinking skills in an age dominated by AI.

Finally, Nave and Shaw reflect on the challenges of addressing cognitive surrender and the role of policymakers and educational institutions in adapting to these changes.

TL;DR

Gideon Nave and Steven Shaw discuss AI's impact on decision-making and the phenomenon of cognitive surrender in this episode.

Episode

14:54
00:00:00
You know, I'm just worried about the future. I think we all focus
00:00:03
on this point where this singularity is going to happen,
00:00:10
when AI will really outsmart us. And everybody thinks that this
00:00:13
point will come from AI getting better and better. But there is
00:00:17
an alternative story here of humans becoming more and more
00:00:21
relying— reliant on AI. And just like we now have right now, an
00:00:25
air conditioner that can set our temperature easily, and we can
00:00:29
move from one place to another without using any physical
00:00:33
activity, just like many of us have lost something because of
00:00:40
this maybe cultural or technological evolution, we may
00:00:46
lose, as a species, something very critical to our existence, which
00:00:51
is our capacity to think.
00:00:53
Welcome to <i>The Ripple Effect</i>, the podcast that takes you on a journey
00:00:58
through the minds of Wharton faculty.
00:00:59
I'm your host, Dan Loney. And in each episode,
00:01:02
we'll be diving deep into the inspiration behind the groundbreaking research
00:01:06
that Wharton professors have conducted,
00:01:08
and exploring how their findings resonate with the world today.
00:01:13
We are certainly seeing how much artificial intelligence is
00:01:17
impacting our lives with the advent of the technology and how
00:01:20
it is changing things like our work. But how does it change our
00:01:24
decision process? That's a question that is addressed in
00:01:27
recent research, and pleasure to have the authors of that
00:01:30
research joining us here today. Gideon Nave, who's an Associate
00:01:33
Professor of Marketing here at the Wharton School, and Steven
00:01:36
Shaw, who is a postdoctoral researcher here at Wharton.
00:01:40
Gentlemen, great to have you both with us.
00:01:41
Thanks for your time today.
00:01:43
Thanks for having us.
00:01:45
Let me start out, I guess,
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what was the genesis of wanting to do this specific type of
00:01:53
research? Steven, I'll start with you. Looking at the decision
00:01:56
process. I mean, we see about it from a business perspective, and
00:01:59
you know, the day to day impact there, but the decision process
00:02:03
is probably just as important.
00:02:05
Yeah. I mean, I think, you know, we can observe
00:02:08
things in nature. And just observing how integrated AI has
00:02:13
become in our daily lives, we sort of felt that the
00:02:20
ability to actually outsource thinking hadn't really been
00:02:23
studied itself. So it's sort of a profound idea. A bit
00:02:28
provocative, I would say, in the paper, that— you know, with these
00:02:34
AI tools that are available, they're so ingrained in our
00:02:38
daily lives and decision processes that we now have the
00:02:41
option or ability to actually outsource thinking itself.
00:02:45
Gideon, what was it that drew your attention to this side of
00:02:49
artificial intelligence?
00:02:50
You know, I've been studying decision processes for a while,
00:02:54
and we know that there are certain theories that account
00:02:58
for how people make decisions and how they use all the
00:03:03
sorts of types of decision processes, from intuition to
00:03:07
more deliberate analytical thinking. And I think that, you
00:03:11
know, technology in the past was integrated as a kind of a block
00:03:15
that you can maybe offload some of your cognition into, perform
00:03:21
certain tasks, like using a calculator or using a GPS to
00:03:24
navigate. But to me, it sounds like the current theories of how
00:03:30
humans make judgments and decisions must be going through
00:03:35
some update once we have these devices that really, as Steve
00:03:38
said, can really replace thinking itself. And it's very important
00:03:43
to start trying to account for this theoretically and define
00:03:47
all sorts of tendencies and constructs so we can really
00:03:51
study it in the future.
00:03:53
And Steven, I guess this is kind of one of the next steps. When
00:03:57
you think about how artificial intelligence is truly impacting
00:04:01
our lives, we probably think about people's reasoning, and
00:04:05
have thought about it off and on for many decades. But obviously
00:04:09
not in the perspective of how artificial intelligence is going
00:04:12
to impact that process.
00:04:15
Yeah, yeah. And that's, again, one of the arguments that we
00:04:18
make in the paper is really, we have these classic models. For
00:04:21
example, the dual process model that Giddy has talked about,
00:04:25
intuitions and deliberations. But the reliance that we see, and
00:04:30
the ability and the integration of AI that we see in society now
00:04:35
just really changes the options that we have for making
00:04:40
decisions. And it does so so dramatically that we need to
00:04:43
update our— many of our old models in cognitive—
00:04:48
cognitive science and psychology and marketing.
00:04:52
Right. And so Gideon, it's no longer kind of a dual process. It's a
00:04:57
three-tiered process that we probably have to bring into
00:05:00
play here, correct?
00:05:02
Yeah, we added kind of artificial cognition as a third
00:05:06
model. And I think what's interesting is not only
00:05:09
that we have this system and it adds to it, but the existence of
00:05:15
this system, just its mere existence, changes how we engage
00:05:19
our other thinking modes. It changes how we use intuition, it
00:05:23
changes how we use deliberation, and it also, surprisingly, also
00:05:28
changes how confident we are in our responses, even ones that
00:05:33
are not really critically examined by ourselves. So there
00:05:38
are a lot of interesting effects going on here. And some of them
00:05:42
are maybe a bit dark, going to the future, if we think that
00:05:47
these really are going to affect the tendencies in behavior of
00:05:50
humans nowadays.
00:05:52
Steven, does— does having a dual process now become— adding this
00:05:57
third component— does the dual process run into any roadblocks
00:06:01
along the way, as AI is becoming a greater component of our lives?
00:06:07
Sure, yeah. And that's, you know, one of the big things we
00:06:10
show experimentally in the paper. We call it cognitive
00:06:13
surrender. Basically, you know, with access— just simply having
00:06:19
the option of having AI available for decision making—
00:06:23
people can surrender their thought to AI and let it sort of
00:06:29
think for them. So they're basically subverting the whole
00:06:32
internal brain set of processes, subverting and substituting
00:06:39
system one, system two, and instead, adopting answers from
00:06:44
what we call system three. And as Giddy said, we saw— even, you
00:06:49
know, when cognitive surrender is engaged, people adopt those
00:06:54
answers and are more confident in those answers.
00:06:57
Do they rely on them more often, then?
00:07:01
We saw— so in our experiments, we saw— it was optional. You know,
00:07:05
we just put ChatGPT in a window. And they were doing some
00:07:09
sort of logic and reasoning questions. We said, you can use
00:07:12
AI if you want to, but you don't have to. And so we saw over 50%
00:07:17
of the time, they consulted ChatGPT. And once they consulted
00:07:22
ChatGPT, adoption rates were very high, even when AI was
00:07:27
incorrect, gave them the incorrect answer, which we
00:07:30
experimentally manipulated, people adopted the answer over
00:07:34
80% of the time.
00:07:36
Giddy, one of the things that I know I have talked with many
00:07:40
people about is the business side of how bringing AI into the
00:07:45
business world is going to impact so many different
00:07:48
processes on a day-to-day basis in companies. One of the things
00:07:51
that is brought up is how it impacts labor and how people
00:07:56
kind of interact with artificial intelligence. It seems like part
00:08:00
of this research also can kind of lead us down the path to
00:08:04
better understand what that relationship is going to be like
00:08:07
with companies and their employees, and what's going to
00:08:10
be expected from them as we move forward because of the AI
00:08:14
component and the decision process being impacted.
00:08:18
Yeah. I mean, let's say it this way. If we are completely surrendering
00:08:21
our thinking to AI, what value do we bring to a company? It's
00:08:27
not clear. So even this tendency to surrender, maybe, something
00:08:30
that in the future, companies would want to consider before
00:08:33
they're hiring somebody. I don't want to have some person that
00:08:37
just basically is giving me what the AI can already give
00:08:42
me. I can get this by myself. And that also tells us, you
00:08:46
know, if we think of the education of the next business
00:08:48
leaders, obviously this is a skill that we want to make sure
00:08:54
that people have and not lose, the capacity to think
00:08:58
critically, the capacity to be able to check what the AI is
00:09:01
giving you. It's become more and more important over time. So
00:09:07
this is kind of a muscle— muscle that we have, that hopefully we
00:09:11
are not going to lose over time.
00:09:13
How much of a challenge, Steven, potentially, is that? Because I
00:09:18
think at times we do feel like AI, is this— is this beautiful
00:09:23
benefit that we now have in our lives. But we still need to have
00:09:28
that critical thinking as we move forward on so many things,
00:09:31
not only in our business lives, but in our personal lives as well.
00:09:35
Yeah. And that's the key question, right? I mean, how do
00:09:39
we maintain critical thinking skills in the age of AI? And you
00:09:44
said, you know, how fundamental is that? Well, I mean, I think
00:09:47
we're only at the beginning of the age of AI, right? And this
00:09:51
technological integration is just getting started. Right
00:09:55
now, we are constrained by communicating with the LLMs
00:10:00
through our phones or our computers. And as those barriers
00:10:05
reduce, right, that integration is just going to become,
00:10:08
you know, stronger.
00:10:10
What did you take away from doing this research, Steven,
00:10:15
that really resonated with you? Either— maybe even something that
00:10:19
you didn't even expect you were going to see play out?
00:10:22
How readily people were willing to cognitively surrender.That
00:10:26
was pretty shocking. And how well the experiments worked,
00:10:31
you know, based on our theoretical contribution of this tri-system
00:10:36
theory of cognition.
00:10:37
Gideon, what about you?
00:10:39
You know, I'm just worried about the future. I think we all focus on this point
00:10:46
where this singularity is going to happen, when AI will really
00:10:51
outsmart us. And everybody thinks that this point will come
00:10:53
from AI getting better and better. But there is an
00:10:57
alternative story here of humans becoming more and more relying—
00:11:01
reliant on AI. And just like we now have, right now, an air
00:11:05
conditioner that can set our temperature easily, and we can
00:11:08
move from one place to another without using any physical
00:11:13
activity, just like many of us have lost something because of
00:11:19
this, maybe, cultural or technological evolution we may
00:11:26
lose, as a species, something very critical to our existence, which
00:11:31
is our capacity to think.
00:11:33
But going back to something you said a little while ago, then
00:11:36
the learning process for people in general is going to change,
00:11:42
because we have this component, and it is going to be a part of
00:11:46
almost everything we do moving forward.
00:11:49
We may or we may not. You know, typically, we know that the
00:11:53
technology— technological development moves much faster
00:11:56
than any policy change. It's difficult for policy and
00:12:03
educational systems to respond very quickly to what is
00:12:07
happening here. I don't know what going to be the
00:12:10
answer. And of course, there are a lot of different perspectives
00:12:13
and different disagreements. What we suggested is provocative
00:12:18
to some degree. It's not obvious that everybody would favor it.
00:12:22
Even, you know, you can say, "I want freedom. Let the market
00:12:26
solve itself." And with freedom, sometimes you get outcomes that
00:12:32
are, at the end of the day, determined by power imbalances.
00:12:37
I don't know where we are headed here. We are, as
00:12:40
academics— are here to maybe try to blow the whistle on it. We
00:12:45
can't do much more than that.
00:12:47
Steve, having done this research now, is there a next logical
00:12:52
step that maybe you would like to take as you maybe delve
00:12:56
deeper into this further?
00:12:58
Sure. Yeah. I mean, so in, we— one of the part of— the part of the
00:13:03
title of the paper is "the rise of cognitive surrender," right?
00:13:06
So we now know that this phenomenon exists. And the
00:13:09
question is, when is it adaptive? When is it good to
00:13:13
outsource your thought to AI, right? AI gives us access to
00:13:17
super intelligence. There are many instances where, you know,
00:13:20
turning off thought can be a good thing. But in a lot of high
00:13:24
stakes contexts— education, healthcare, right? We don't want
00:13:29
that to be happening. And so how do we fight the rise of
00:13:32
cognitive surrender in those contexts? Is it on the user
00:13:36
side, on the human side, through AI literacy and training, or is
00:13:41
it on the UX design side by putting in different types of
00:13:45
prompting or roadblocks that make sure or try to induce
00:13:50
critical thinking, you know, as those decisions are being made?
00:13:53
Well, I guess for either one of you, that brings up— not
00:13:57
that this is specifically in your research, but Gideon, it
00:14:00
brings up kind of the regulatory side of this, of just how much
00:14:04
of a role regulatory may have in a lot of these developments as
00:14:09
we move forward.
00:14:10
We're going to see, at the end of the day, how the software
00:14:13
companies or the AI companies will respond to this, how
00:14:16
policymakers will respond to this, how educational
00:14:19
institutions will respond to this. I think what we have, but
00:14:23
that is quite nice in this paper, is that we have a very
00:14:25
clear method of measuring cognitive surrender. And now we
00:14:30
can try to take into the lab all sorts of interventions and see
00:14:36
how we can maybe move it around. And that's going to be quite a
00:14:43
useful research tool.
00:14:45
Gentlemen, I appreciate the time. Good luck with the
00:14:47
research as you move forward. All the best.
00:14:50
Thanks for having us. - Thanks, Dan.
00:14:52
Thank you. Gideon Nave, Associate Professor
00:14:54
of Marketing here at the Wharton School, and Stephen Shaw,
00:14:57
postdoctoral researcher here at Wharton.
00:15:00
Thank you for listening
00:15:01
to <i>The Ripple Effect</i>. We hope you found this episode
00:15:03
informative and engaging. Don't forget to subscribe and leave us
00:15:07
a review so that we can continue to bring you the best insight
00:15:10
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Episode Highlights

  • Impact of AI on Decision Making
    The integration of AI is changing how we make decisions, necessitating updates to cognitive models.
    “The reliance on AI changes the options we have for making decisions.”
    @ 04m 35s
    February 24, 2026
  • The Rise of Cognitive Surrender
    Research reveals how people are increasingly outsourcing their thinking to AI, leading to cognitive surrender.
    “We now know that this phenomenon exists.”
    @ 13m 06s
    February 24, 2026

Episode Quotes

Key Moments

  • Cognitive Surrender06:13
  • AI's Impact on Thinking11:31
  • Future of Decision Making14:10

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