Citi, Bank of America Said to Restrict AI Agents' Access to Customer Accounts
Citigroup and Bank of America have reportedly followed JPMorgan Chase in restricting third-party AI agents from accessing customer accounts, according to a 36Kr report citing media reports. Banks have told regulators they worry such agents could move idle cash into higher-yield products and drain deposits; JPMorgan said on its Oct. 13 earnings call that it would block AI agent access because of the risk from thousands of malicious agents and is studying safer ways to allow it. The scrutiny follows Meta's Sept. 8 launch of its Muse personal AI agent, which can initiate payments, compare prices and move funds through external connectors, though Meta requires user confirmation for sensitive actions, and Bloomberg interpreted a Sept. 22 financial-sector selloff as reflecting investor concern that such agents could erode consumer inertia.
JPMorgan said such access is unsafe and that it is studying safer implementations, while the reported restrictions highlight banks' concern that external agents could move deposits.
一款第三方AI智能体在华尔街掀起行业震动，多家主流金融机构接连对其实施接入拦截。这场博弈，将外部智能体的访问权限、权责界定、存款迁徙风险等一并推至台前。
近日，有媒体报道称，花旗集团（Citigroup）和美国银行（Bank of America）已效仿摩根大通（JPMorgan Chase & Co.），限制人工智能代理（即AI Agent）访问客户账户。此前，美国多家银行向监管机构表达担忧，认为这些智能代理可能会为了追求更高收益而转移闲置现金，从而导致银行存款流失。
这些担忧并非空穴来风。今年9月8日，美国科技巨头Meta正式推出个人AI智能体Muse。依托外部连接器生态，其具备自主发起支付、比价、调度资金的能力，因此一经发布，便触动了金融行业的敏感神经。
市场迅速对这一新变量释放出担忧信号。9月22日，标普500金融指数下挫近2%，摩根大通、富国银行跌幅均超3%，嘉信理财（Charles Schwab）更是跌逾6%。彭博社的解读直指核心：投资者担心，以Muse为代表的个人AI智能体，或将打破金融行业长期依赖的“消费者惯性（Consumer Inertia）”——即便市场上存在收益更高、成本更低的金融方案，用户也会受使用习惯、信息差、迁移成本制约，选择留在原有机构。
#Citigroup#Bank of America#JPMorgan Chase#Meta#Muse#Plaid#Charles Schwab#Wells Fargo#Visa#Smart Cash