美国银行警告勿向AI代理交出网银凭据
美国银行致信客户，要求不要将网银用户名、密码或相关凭据交给AI助手或代理，包括声称可代其行动的外部服务。发言人向TechCrunch确认邮件属实；邮件称，客户可能需对自愿授权产生的活动负责，但仍受适用的消费者保护条款约束。Android Authority还报道称，部分美国大型银行正在限制外部AI代理，或转向由银行授权的只读连接。
这项警告划定了代理支付的安全边界：银行正区分只读财务访问与允许AI代理转移资金或更改账户设置的凭据授权。
Stephen Radochia / Android Authority
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TL;DR
- Bank of America is warning customers not to share banking usernames or passwords with AI assistants and agents.
- Customers could be held responsible for activity resulting from voluntarily granting an AI agent account access, subject to applicable consumer protections.
- As Gemini, Claude, ChatGPT, and other AI assistants become more autonomous, banks are increasingly concerned about unauthorized access and liability.
AI assistants can write your emails, book appointments, shop on your behalf, and increasingly handle tasks you’d rather not do yourself. It’s the kind of convenience that’s hard to resist, even as questions grow about how much access we’re giving these tools. However, letting an AI assistant manage your calendar is one thing. Trusting it with your life savings is quite another, and Bank of America would rather its customers didn’t find out the hard way.
#Bank of America#JPMorganChase#Citi#Wells Fargo#Morgan Stanley