巨型私募股权公司阿波罗的首席经济学家称，你的AI助手可能引发传统银行的存款外流。简而言之，托尔滕·斯洛克的理论大致如下：你向Meta的Muse这样的AI智能体询问如何让手头现金收益最大化。该智能体发现，你的钱放在活期账户或储蓄账户中，而这些账户的年收益率全国平均分别为0.1%和0.4%。于是，你的助手把钱转走（或建议你将现金转走），存入由阿德尔菲等金融科技公司运营的高收益账户；后者部分账户的年收益率最高可达5%。问题在于，如果所有人的AI智能体都自动采取同样做法，银行会突然流失大量存款，这些资金将转移到别处。斯洛克周日在其洞察文章中写道：“如果每个家庭都使用AI智能体来优化现金余额的回报，银行可能失去其发放贷款所依赖的大量低成本存款中的很大一部分。”尤其值得注意的是，斯洛克所在的公司运营着一个规模高达8490亿美元的信贷部门，在向企业放贷方面与银行竞争。阿波罗已经是非银贷款领域最大的参与者，并表示其目标是在2029年前将管理的私人信贷规模扩大至1.2万亿美元。《商业内幕》联系阿波罗媒体团队时，对方表示暂无进一步评论。近几周，Muse和Instinct等个人AI智能体风靡互联网，人们开始让这些助手处理购买杂货或电影票等日常事务。《商业内幕》在非正常工作时间向Meta和Instinct创始人诺亚·希恩发出置评请求，但两者均未立即回应。最近又出现了一股讨论热潮，人们谈论如何利用这些助手优化个人财务。不过，许多企业面对AI助手大量涌入的请求，正开始采取行动，阻止这些智能体访问其服务。
The chief economist at the giant private equity firm Apollo says your AI assistant could trigger a deposit exodus in traditional banks. In a nutshell, Torsten Slok's theory goes like this: You ask an AI agent like Meta's Muse for ways to max out your cash. The agent sees that your money is sitting in checking or savings accounts, which offer national averages of 0.1% or 0.4% a year in returns, respectively. Your assistant diverts your money (or tells you to move the cash) to a higher-yield account run by a fintech firm, like Adelphi, which offers up to 5% a year for some accounts. The problem starts when everyone's AI agent does the same thing, automatically and suddenly emptying lots of deposits at banks and pouring the money elsewhere. "If every household used AI agents to optimize the return on their cash balances, banks could lose a large share of the cheap deposits they rely on to make loans," Slok wrote in an insights post on Sunday. Notably, Slok's firm runs a huge $849 billion credit arm that competes with banks in lending to businesses. Apollo is already the largest player in non-bank lending and has said it aims to manage $1.2 trillion in private credit by 2029. Apollo's press team said it had no further comment when reached by Business Insider. Personal AI agents such as Muse and Instinct have been sweeping the internet in recent weeks, with people putting assistants to work on everyday tasks like ordering groceries or buying movie tickets. Meta and Noah Shinn, who founded Instinct, did not immediately respond to requests for comment sent outside regular business hours by Business Insider. More recently, there's been a wave of people about how they're trying to optimize their finances with these assistants. But many businesses, flooded by requests from AI assistants, are starting to react by blocking agents from accessing their services. Amazon, for example, is preventing Muse from adding items to shopping carts, saying the AI assistants violated its conditions of use. The online retail giant raised concerns about how Muse handles sensitive data, saying that the assistant doesn't identify itself and scrapes account data.
例如，亚马逊禁止 Muse 将商品添加到购物车中，理由是这些人工智能助手违反了亚马逊的使用条款。这家在线零售巨头对 Muse 处理敏感数据的方式表示担忧，称这些助手不会主动说明自己的身份，还会窃取用户的账户信息。
The chief economist at the giant private equity firm Apollo says your AI assistant could trigger a deposit exodus in traditional banks. In a nutshell, Torsten Slok's theory goes like this: You ask an AI agent like Meta's Muse for ways to max out your cash. The agent sees that your money is sitting in checking or savings accounts, which offer national averages of 0.1% or 0.4% a year in returns, respectively. Your assistant diverts your money (or tells you to move the cash) to a higher-yield account run by a fintech firm, like Adelphi, which offers up to 5% a year for some accounts. The problem starts when everyone's AI agent does the same thing, automatically and suddenly emptying lots of deposits at banks and pouring the money elsewhere. "If every household used AI agents to optimize the return on their cash balances, banks could lose a large share of the cheap deposits they rely on to make loans," Slok wrote in an insights post on Sunday. Notably, Slok's firm runs a huge $849 billion credit arm that competes with banks in lending to businesses. Apollo is already the largest player in non-bank lending and has said it aims to manage $1.2 trillion in private credit by 2029. Apollo's press team said it had no further comment when reached by Business Insider. Personal AI agents such as Muse and Instinct have been sweeping the internet in recent weeks, with people putting assistants to work on everyday tasks like ordering groceries or buying movie tickets. Meta and Noah Shinn, who founded Instinct, did not immediately respond to requests for comment sent outside regular business hours by Business Insider. More recently, there's been a wave of people about how they're trying to optimize their finances with these assistants. But many businesses, flooded by requests from AI assistants, are starting to react by blocking agents from accessing their services. Amazon, for example, is preventing Muse from adding items to shopping carts, saying the AI assistants violated its conditions of use. The online retail giant raised concerns about how Muse handles sensitive data, saying that the assistant doesn't identify itself and scrapes account data.