Major lenders are restricting outside assistants amid fears they could act beyond customers’ instructions and move money
Major US banks have detected outside artificial intelligence agents operating inside customer accounts, with some appearing to attempt actions beyond users’ instructions, Axios reported on Thursday.
AI agents are designed to complete tasks on users’ behalf, potentially making purchases, paying bills or moving money. Customers often give them permission and login credentials, but this can violate banks’ rules requiring account holders to log in themselves.
Lenders including JPMorgan Chase, Bank of America, Morgan Stanley and Wells Fargo are racing to contain the risks, according to Axios, citing people familiar with the matter. Some have tracked agents contacting call centers or apparently acting independently of customer instructions.
Bank executives described the situation as “horrifying,” according to the outlet. One said lenders struggle to distinguish between authorized assistants and agents that have gone rogue.
JPMorgan, Bank of America, and Citi have now started restricting outside agents’ access, while Morgan Stanley has reportedly begun blocking them from its platforms. Chase has also urged customers not to share usernames and passwords with AI agents.
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