美国主要银行锁定AI agents 登录客户资格
AI agents正在使用客户提供的证明，不经银行批准进入银行账户。 包括摩根斯坦利、JPMorgan、美国银行和Wells Fargo在内的几家主要美国银行正在限制外部AI agent的准入，这违反了银行要求账户持有人亲自登录的政策。 一些AI agents似乎自己行动，没有用户的直接指示。 Morgan Stanley已经完全封锁了AI agents，美国银行的JPMorgan和花旗公司也在这样做。 Morgan Stanley强调，它在其平台上没有发现任何"流氓AI agents".
大多数银行希望限制agents只读访问，让他们查看账户数据，但不会执行任何动作。 银行表示客户想使用AI agents，但目前安全风险过高。 许多银行也无法分辨agent是代表用户行事还是自己访问一个账户。
用户可以通过浏览器让其agents访问账户，使用计算机使用等工具或开源 agent软件如OpenClaw. 封锁供应商那边会很难的 OpenAI甚至拥有发布一个专用于美国金融任务的ChatGPT服务，只能读取金融数据。
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Major US banks are locking out AI agents that log in with customer credentials
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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