Artificial intelligence is a broad branch of computer science that deals with the development and study of smart machines and programs, which are increasingly used in private and business environments. Considering that artificial intelligence is in a relatively early stage of wide-range application, it is necessary to investigate the readiness of users to accept it. Given that no more extensive research has been conducted in Croatia on the level of readiness to accept artificial intelligence technologies, nor on the potential implications of its increase, this research provides answers to related questions to a certain extent. Internet users were chosen as the target audience because they are considered to be potential users or users of artificial intelligence. The survey was conducted on 1036 respondents. The paper used a controlled experiment, the results of which reveal how education, as well as marketing activities, can influence the perceived level of readiness to accept artificial intelligence. Also, the research compares respondents' trust in humans, artificial intelligence and humans with the assistance of artificial intelligence, depending on whether they perform on low or high level stakes and risks in different areas of personal and professional life. The assumptions predicting greater trust in humans compared to artificial intelligence were confirmed, but also the assumption that trust in humans with the assistance of artificial intelligence will be greater than in humans alone. Intergenerational differences were also confirmed, depending on the level of education or occupation, although the effect is of lower intensity than initially expected. The results show that the respondents are aware that artificial intelligence is entering their private and business lives, but they are still very cautious and ready to trust it more significantly only when artificial intelligence has a role of supporting tool where human takes the lead and makes the final decision, even with the explanation that artificial intelligence is better and more efficient than humans in certain activities.