Handing an AI agent the passwords to your financial life is “totally insane,” according to Alex Stamos, Meta’s former chief security officer. Stamos made the remarks on a recent episode of Alex Kantrowitz’s Big Technology Podcast, Business Insider reported.
Stamos, who joined Cognition as chief security officer in September, said people are giving agents such as Meta’s Muse and Spear Street Technology’s Instinct their entire 1Password vaults. Users then tell the agents to “go handle my finances for me” or “go file my taxes,” he said.
Banks see bots with real logins
Can banks tell when an AI agent is using a customer's login?
Banks now face a growing wave of bot activity that customers have authorized, Stamos said. The logins are “authenticated correctly,” he said. But the banks can tell that the activity is automated. In his words, they “are clearly bots doing interaction.”
Stamos believes Instinct has gained traction partly because it gets past the safeguards banks use to stop bots. “That’s why Instinct is useful because it will effectively bypass the safety protections that are in place at these companies to keep you from doing exactly what you’re doing, which is to have your bot interact with the most important parts of your life,” he said.
He described a “crazy tension.” Banks try to “prevent automated access,” while customers hand their logins “to a company that’s existed for six months,” Stamos said.
Where the companies stand
Instinct did not immediately respond to Business Insider’s request for comment. A Meta spokesperson declined to comment. Meta has said in a blog post that Muse runs on its own computer in the cloud and that no other agent can access it.
Are banks concerned about AI agents accessing customer accounts?
The concern is not limited to outside observers. JPMorgan Chase CEO Jamie Dimon raised the same issue on the bank’s October earnings call. He spoke of a “liability transfer” away from the bank when customers let outside agents in, and he pointed to risks to customer data.
“If people are using them, they should understand the risk,” Dimon said.
JPMorgan is building its own agent tools for clients, Dimon said. The bank is also working to guard itself against outside agents. US and European regulators have already questioned banks about AI agents and the cyber risks they bring.
Este artículo fue escrito con la asistencia de IA.
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