美国多家主要银行限制使用客户凭证登录的AI代理
Major US banks are locking out AI agents that log in with customer credentials
美国多家主要银行，包括摩根士丹利、摩根大通、美国银行和富国银行，正限制外部 AI 代理使用客户凭证登录银行账户，违反了账户持有人必须亲自登录的银行政策。摩根士丹利已完全封锁 AI 代理，摩根大通、美国银行和花旗银行也正采取相同措施。银行表示，尽管客户希望使用 AI 代理，但当前安全风险过高，且难以区分代理是否在用户授权下操作。
AI agents are using customer-provided credentials to access bank accounts without bank approval. Several major US banks, including Morgan Stanley, JPMorgan, Bank of America, and Wells Fargo, are restricting external AI agent access, Axios reports. That violates bank policies requiring account holders to log in personally. Some AI agents appear to act on their own, without direct instructions from users. Morgan Stanley already blocks AI agents entirely, and JPMorgan, Bank of America, and Citi are doing the same. Morgan Stanley stressed that it has not seen any "rogue AI agents" on its platforms.
Most banks want to limit agents to read-only access, letting them view account data but not carry out any actions. The banks say customers want to use AI agents, but the security risks are too high for now. Many banks also can't tell whether an agent is acting on a user's behalf or accessing an account on its own.
Users can give their agents access to accounts through a browser, using tools like Computer Use or open-source agent software such as OpenClaw. Blocking that on the provider side will be hard. OpenAI has even launched a dedicated ChatGPT service for financial tasks in the US with read-only access to financial data.
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来源: The Decoder · the-decoder.com