加拿大皇家银行（RBC）首席执行官戴夫·麦凯（Dave McKay）表示，加拿大皇家银行正在考虑阻止 Meta Platforms Inc. 旗下热门人工智能代理 Muse 访问该行的客户信息。
Bank of Canada is considering blocking Muse, Meta Platform Inc.’s popular artificial intelligence agent, from accessing the bank’s customer information, RBC Chief Executive Officer Dave McKay said.
“这是我正在考虑的事情，绝对是，”麦凯周二在接受彭博电视采访时表示，并补充称该行尚未做出最终决定。“你必须保护好客户，而作为一个组织，我们要为此承担责任。”摩根大通和查尔斯·施瓦布的首席执行官上周表示，他们的公司正在阻止或限制外部 AI 代理访问其客户数据。包括 Muse 在内的 AI 代理（该代理于上月向公众发布）有可能通过自动将现金转入收益率更高的账户，从而颠覆银行的商业模式。
“It’s something I’m thinking about, absolutely,” McKay said Tuesday in a Bloomberg Television interview, adding that the bank hasn’t made a final decision. “You have to protect that customer and then we’re liable for that as an organization.”The CEOs of JPMorgan Chase & Co. and Charles Schwab Corp. said last week their firms are blocking or limiting outside AI agents’ access to their clients’ data. AI agents including Muse, which was released to the public last month, have the potential to disrupt bank business models by automating cash transfers into higher-yielding accounts.
但麦凯表示，人们担心无法监控交易。他说，数据“在未经客户同意或通过欺诈手段获取同意的情况下被抓取或带走”是另一个问题。
But McKay said there are concerns about not being able to monitor transactions. Data “being scraped or taken away without their consent or fraudulent consent” is another issue, he said.
“我们正在处理这些细节，不会草率做决定，但我们必须在消费者需求与系统的隐私和安全之间取得平衡，”他说。
“We’re working through those details now and we’re not going to make a rash decision, but we have to balance the needs of a consumer with the privacy and safety of the system,” he said.
麦凯表示，鉴于其发电能力以及政府在建设数据中心产能方面制定的明确规则，加拿大有望成为 AI 投资的主要目的地。他表示，看到的公众抵制比美国少。
McKay said Canada is poised to be a prime destination for AI investment, given its power generation capabilities and clear rules from the government about building data center capacity. He said he sees less public pushback than in the US.
“我认为我们在某些美国正面临的挑战上走在了前面，”他说，并引用了为确保居民和商业电价不上涨所做的努力。
“I think we got ahead of some of the challenges the US is facing,” he said, citing efforts to ensure that residential and commercial electricity prices don’t go up.
虽然这位 RBC 首席执行官是该技术的坚定支持者，并已在自家银行的 AI 部署上投入巨资，但麦凯表示，他正在采取措施限制对该行业的直接敞口。
While the RBC CEO is a strong proponent of the technology, having invested significantly in his own bank’s deployment of AI, McKay said he’s taking steps to limit direct exposure to the sector.
“我们实际上是在自行削减账面风险，”他说，并补充称该行正在进行战略风险转移，以减少资产负债表上人工智能贷款的风险。“我们也在考虑调整一下投资组合的配置。在银行业，好事过多也不是好事。”
“We’re actually taking some risk off the book ourselves,” he said, adding that the bank is writing strategic risk transfers to decrease the risk of AI loans on its balance sheet. “And we’re thinking about positioning our portfolio a little bit. Too much of a good thing’s not a good thing in banking.”