花旗等大行限制第三方AI智能体登录账户和转账
据Financial Times报道，花旗禁止第三方AI智能体在其数字银行平台登录客户账户或转移资金，美国银行和JPMorgan Chase也采取了类似限制。JPMorgan的Jamie Dimon此前警告，若不加限制，数千个“rogue agents”可能在银行内部运作。
Citigroup now bars third-party AI agents from logging into customer accounts or moving money inside its digital banking platforms, according to the Financial Times.
Bank of America has imposed similar limits, joining JPMorgan Chase, which is restricting outside AI agents after Jamie Dimon warned that thousands of “rogue agents” could otherwise operate inside the bank.
The deeper threat is to bank funding, since agents comparing rates could move cash from checking accounts paying about 0.1% into fintech accounts paying 3.3% to 5%.
JPMorgan, Bank of America and Wells Fargo hold $1.6T in non-interest deposits, and paying 3% on that money would cost $47B a year, close to half their combined annual earnings.
来源：rohanpaul_ai · x.com