Google is letting every Gemini app user in the United States connect Google Wallet so the chatbot can answer questions about their spending, such as charting last quarter's spending or finding subscriptions that have gone up in price. The connection is opt-in, read-only, and can be turned off at any time.
Google is giving every Gemini app user in the United States the option to connect Google Wallet, so the chatbot can answer questions about how they spend their money. The company announced the change Thursday.
What can Gemini do with Google Wallet data?
Once a user tags Google Wallet in a chat, Gemini can chart spending from last quarter, look for ways to help save $1,000, or find subscriptions that have gone up in price. It can also pull from last year's spending to suggest a holiday budget. Users who want more detailed answers can link their bank and credit card accounts through Plaid, a financial data service.
Can Gemini move or invest money from my account?
The connection is opt-in and read-only. Gemini can see account data, but it cannot move, manage or invest money. Users can turn it off at any time. Google draws a clear line here. Its Universal Cart, which already lets Gemini make payments, is a different feature.
Does Google use Wallet data to train Gemini?
Google says it does not train its AI directly on Wallet data. The company's help pages, however, state that if a user keeps Gemini activity turned on, the model may train on summaries of that user's transactions. Some of those conversations may also be read by human reviewers. Users who want to avoid that should check their activity settings before connecting.
Google also launched a feature called Memory Summary. It is a page that shows what Gemini remembers about a user, including their goals and preferences. Users can edit or delete those details. Memory Summary is not available in Europe or the United Kingdom.
Google is not the first to move into personal finance through a chatbot. OpenAI began letting some ChatGPT users link bank accounts in May. Anthropic launched a similar read-only finance feature for Claude last week.
The launch also comes as Google has changed its privacy policy. Under the updated policy, connected Gmail and Photos data can be used to shape the ads users see.
Cet article a été rédigé avec l'assistance de l'IA.
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