蒙特利尔银行首席执行官达里尔·怀特表示，人工智能代理不应被信任处理个人银行信息。
Bank of Montreal chief executive officer Darryl White says artificial intelligence agents are not to be trusted with personal banking information.
周三，怀特在多伦多全球论坛上发言时表达了担忧，认为人工智能的发展速度快于针对该技术的法规和保障措施。此前一天，加拿大皇家银行首席执行官曾评论称，可能会阻止 Meta 旗下热门的 Muse AI 代理访问该行的客户数据。
Speaking at the Toronto Global Forum on Wednesday, White expressed worry about AI advancing faster than regulations and safeguards for the technology. His remarks follow comments from RBC’s CEO on Tuesday about potentially blocking Meta’s popular Muse AI agent from accessing client data at his bank.
“我们在电子商务体系中成长了 25 年，已经习以为常，”作为加拿大按总资产计算的第四大银行首席执行官，怀特说道。
Meta's AI agent Muse set up Marketplace sale without telling him — and gave out his address "We’ve grown up for 25 years in an e-commerce system where we’ve got comfortable," said White, CEO of Canada’s fourth-largest bank by total assets.
他表示，这导致一些人愿意“把所有个人信息随意输入到任何地方、任何代理中”。“不要提供你的银行用户名和密码。不要提供你的信用卡。不要提供你的社会保险号。不要提供你的 PIN 码。这些都不受保护，”怀特说。
He said this has made some individuals willing to "just enter all my personal information anywhere, into any agent." "Don't give your banking username and password. Don't give your credit card. Don't give your social insurance number.
“我认为我们在教育民众方面还有很长的路要走。”近年来，加拿大大型银行在人工智能领域投入了数十亿资金。8 月，怀特曾自豪地表示，蒙特利尔银行的保险部门正利用 AI 在短短 10 秒内做出承保决定，而此前的行业标准是 28 天。
Don't give your PIN. These are not protected," White said. "I think we've got a ways to go on educating people." Canada’s big banks have invested billions in artificial intelligence in recent years. In August, White boasted that BMO's insurance division is using AI to make underwriting decisions in as little as 10 seconds, versus the previous industry standard of 28 days. That perfect Ontario real estate listing might be staged by AI.
在获得客户授权的情况下，Meta 的 Muse 和 OpenAI 的 ChatGPT 等 AI 代理可以连接到银行账户和信用卡，以监控余额和交易记录，并分享消费习惯建议。进行购买通常需要人工批准。
Here's what to watch for October 19 Duration With a client’s authorization, AI agents like Meta’s Muse and OpenAI’s ChatGPT can connect to bank accounts and credit cards to monitor balances and transaction histories, and share tips on spending habits. Making purchases typically requires human approval.
周二，加拿大皇家银行首席执行官戴夫·麦凯表示，该行正考虑阻止 Muse 访问客户信息。“我绝对在考虑这件事，”他在接受彭博电视采访时表示。
On Tuesday, RBC CEO Dave McKay said his bank is considering blocking Muse from accessing client information. "It’s something I’m thinking about, absolutely," he told Bloomberg News in a television interview.
“我们不会做出鲁莽的决定，但必须在消费者需求与系统的隐私和安全之间取得平衡。”上周，摩根大通和查尔斯·施瓦布的首席执行官表示，他们正在阻止或限制外部 AI 代理使用其客户的数据。
"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." Last week, the CEOs of JPMorgan Chase & Co. and Charles Schwab said they are blocking or limiting outside AI agents from using their client's data.