Bank of America kindly asks that you don’t share your banking password with your AI assistant

Financial giant Bank of America is reminding customers to bank safely by kindly not sharing your banking credentials with your AI agent. In an email blast to customers titled “Protecting your finances in the Al World,” Bank of America urged customers to never share their username and password with another person or an outside service, “including an Al-enabled tool or agent that offers to act on your behalf.”

金融巨头美国银行（Bank of America）正在提醒客户通过不要与人工智能代理共享银行凭证来安全地进行银行业务。在一封发给客户、标题为“在人工智能世界中保护您的财务”的电子邮件中，美国银行敦促客户永远不要与他人或外部服务共享用户名和密码，“包括声称代表您行事的人工智能工具或代理。”

You can practically sense the frustration in the person sending the email. Still, customers are increasingly handing over their log-ins as personal AI assistants grow more popular. Sharing your banking username and password with an AI assistant runs the risk that it could do something with your finances without your knowledge, or that your bank thinks someone’s raiding your account and locks you out of it.

你几乎可以感受到发送这封邮件的人的沮丧。尽管如此，随着个人人工智能助手的日益普及，客户越来越多地交出他们的登录信息。与人工智能助手共享银行用户名和密码存在风险，它可能会在您不知情的情况下对您的财务进行操作，或者银行会认为有人正在入侵您的账户并将您锁定在外。

Worse, a security flaw in the AI assistant could result in it leaking your banking credentials elsewhere, giving financially motivated hackers a way into your bank account. This latest warning comes as banks are still exploring how AI agents fit into the financial world but are reportedly grappling with unauthorized agents accessing their customers’ money.

更糟糕的是，人工智能助手中的安全漏洞可能导致您的银行凭证泄露到其他地方，从而让受经济利益驱动的黑客有机会进入您的银行账户。这一最新警告发布之际，银行仍在探索人工智能代理如何融入金融世界，但据报道，它们正在努力应对未经授权的代理访问其客户资金的问题。

As we discussed onstage at TechCrunch Disrupt, banks, payment providers, and processors are still trying to figure out how to allow customers access to their bank accounts using AI tools, such as for agentic payments, which allow people to set agents to autonomously buy things at the best price or the right time. A spokesperson for Bank of America confirmed the authenticity of the bank’s email that was posted to social media.

正如我们在 TechCrunch Disrupt 大会上讨论的那样，银行、支付提供商和处理机构仍在努力研究如何允许客户使用人工智能工具访问其银行账户，例如用于代理支付，这允许人们设置代理以在最佳价格或合适的时间自主购买商品。美国银行的一位发言人证实了发布在社交媒体上的该银行电子邮件的真实性。

But heed the bank’s warning, for if things go wrong, it’s on you. Account agreements at most banks hold customers responsible for anyone they give their log-in to. “If you do share your credentials,” its email reads, “keep in mind that you’re responsible for activity resulting from that access.”

但请听从银行的警告，因为如果出了问题，责任由您承担。大多数银行的账户协议规定，客户需对其提供登录信息的任何人负责。邮件中写道：“如果您确实共享了您的凭证，请记住，您需要对由此访问产生的活动负责。”