花旗等美国银行禁止第三方 AI 智能体登录客户账户或转账
Citigroup now bars third-party AI agents from logging into customer accounts or moving money inside its digital banking platforms, according to the Financial Ti
据 Financial Times 报道，花旗银行现已禁止第三方 AI 智能体登录其数字银行平台中的客户账户或转移资金。美国银行也实施了类似限制，摩根大通此前已限制外部 AI 智能体，Jamie Dimon 警告称否则可能有数千个“流氓智能体”在银行内部运作。报道指出更深层的威胁在于银行资金：智能体比价可能把资金从利率约 0.1% 的支票账户转入利率 3.3% 至 5% 的金融科技账户；摩根大通、美国银行和富国银行持有 1.6T 美元无息存款，若按 3% 付息每年将花费 47B 美元，接近三家合计年收益的一半。
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银行限制第三方 AI 智能体接入，同时点出智能体比价可能冲击银行存款的商业模式。
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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.