摩根大通不会允许外部人工智能代理访问客户账户并代表其操作，首席执行官杰米·戴蒙周二表示，原因是随着Meta等科技公司推出自主助手，这对公司及其客户构成风险。
JPMorgan Chase won't allow outside artificial intelligence agents to access customer accounts and operate on their behalf, CEO Jamie Dimon said Tuesday, citing risks to the company and its customers as tech firms including Meta release autonomous assistants.
“我们不会允许任何……外部代理进入公司内部，因为这对客户和摩根大通来说风险太大了，”戴蒙在该行第三季度财报电话会议上对分析师说。
"We're not going to allow just any … outside agent to come in inside the company, because it's just too risky for clients and for JPMorgan," Dimon told analysts on the bank's third-quarter earnings call.
“你不希望出现失控的代理，而且可能有成千上万个，”他补充道，描述了对客户的潜在威胁。7月份，一个OpenAI模型入侵了人工智能公司Hugging Face的服务器。
"You don't want rogue agents, and it could be thousands of them," he added, describing the potential threat to customers. In July, an OpenAI model hacked into AI company Hugging Face's servers.
戴蒙的立场让人想起他曾与金融科技公司就客户数据访问权展开的早期斗争。作为美国资产规模最大的银行的长期首席执行官，戴蒙事实上是美国金融部门的代言人。摩根大通曾对数据中间商如Plaid收取访问费用，这场争议同样将银行的安全顾虑与科技公司的访问需求置于对立面。
The stance from Dimon, the longtime CEO of the biggest U.S. bank by assets and a de facto spokesman for the U.S. financial sector, is reminiscent of an earlier fight with fintech firms over access to customer data. JPMorgan moved to charge data middlemen including Plaid for access, a dispute that similarly pitted the bank's security concerns against tech firms' demands for access.
摩根大通发言人向CNBC证实，该行目前阻止外部人工智能代理代表零售客户进行操作。
A JPMorgan spokeswoman confirmed to CNBC that the bank currently blocks external AI agents from operating on behalf of retail customers.
“保护我们的客户是我们的首要任务。因为这不安全，我们不允许第三方通过获取客户的银行凭证并代表其登录来访问账户，”发言人说。
"Protecting our customers is our top priority. Because it is not safe, we do not permit third parties to access accounts by obtaining customers' banking credentials and logging in on their behalf," the spokeswoman said.
“我们支持通过开放银行提供商进行安全的、客户授权的数据共享，并致力于以安全方式实现代理式连接，”她补充道。
"We support secure, customer-authorized data sharing through open banking providers and are committed to enabling agentic connections securely," she added.
这意味着人工智能代理可以以只读方式访问Chase账户中的一些客户数据，例如客户余额，前提是Plaid或另一个连接器拥有用户的凭证。但它们不能发送资金或支付账单——这些操作才能使代理发挥作用。
That means that AI agents can access some customer data from Chase accounts in a read-only fashion, like customer balances, if Plaid or another connector has the user's credentials. But they can't send money or pay a bill — actions that make an agent useful.
发言人补充称，目前没有时间表表明银行何时会具备防护措施，以允许代理直接与客户账户进行交互。
There's no timeline for when the bank would have safeguards in place to allow agents to directly interact with customer accounts, the spokeswoman added.
戴蒙表示，摩根大通正在内部使用人工智能代理，并计划将其用于面向客户的应用。他说，该行的做法不是关于支持或反对这项技术，而是关于确保它能够安全地为客户服务。
Dimon said JPMorgan is using AI agents internally and plans to deploy them for customer-facing applications. The bank's approach, he said, isn't about being for or against the technology, but about ensuring it serves customers safely.
摩根大通首席财务官杰里米·巴纳姆周二表示，该行近几周开始对其自研人工智能工具“智能现金”进行有针对性的试点，该工具旨在预测用户的现金流并转移资金以最大化收益。这似乎是针对外部代理的防御性举措。
In recent weeks, JPMorgan began a targeted pilot for its own AI tool called Smart Cash, which aims to predict a user's cash flow and move funds to maximize yield, CFO Jeremy Barnum said Tuesday. That would appear to be a defensive move against external agents.
戴蒙还似乎在客户授权外部人工智能代理代表其行事时划清了责任界限。
Dimon also seemed to draw a line about liability when customers authorize outside AI agents to act on their behalf.
“如果人们在使用它们，他们应该了解风险，”戴蒙说。“他们应该明白责任将被转移。”近年来，随着人工智能模型整合更多自主性——例如取消订阅或代表用户使用信用卡的能力——个人代理的主流受欢迎程度有所提升。
"If people are using them, they should understand the risk," Dimon said. "They should understand there's a liability transfer." Personal agents have gained mainstream popularity in recent months as AI models integrate more autonomy, like the ability to cancel subscriptions or use credit cards on a user's behalf, for example.
本月初，一款名为本能的数字礼宾服务仅通过短信而非应用程序运行，以仅限邀请的方式推出。该服务背后的初创公司旧金山的矛街科技去年成立，上个月估值达到100亿美元。
Instinct, a digital concierge that relies primarily on text messaging instead of an app, launched earlier this year on an invitation-only basis. The startup behind the service, San Francisco-based Spear Street Technology, was founded last year and reached a $10 billion valuation last month.
9月，随着Meta的Muse代理在发布后不久登上应用下载榜首，银行股票受到冲击，引发人们对消费者可能使用代理将低收益账户中的资金转移到高收益账户的担忧。几周后，OpenAI发布了其自身的代理Dots。
In September, bank stocks were hit as Meta's Muse agent topped the app download charts shortly after it was unveiled, sparking fears that consumers would use agents to move funds from low-yielding accounts to higher-yielding ones. Weeks later, OpenAI released its own agent, Dots.
阿波罗首席经济学家托尔斯滕·斯洛克等人指出，代理对廉价银行存款构成的风险。但如果代理不被允许自由操作客户账户，这种风险将受到限制。
Apollo Chief Economist Torsten Slok and others pointed to the risks that agents pose to cheap bank deposits. But that risk will be limited if agents aren't allowed to operate freely with customers' accounts.