Google is letting every Gemini app user in the United States connect Google Wallet to the chatbot, so it can answer questions about their money. The company announced the change Thursday. Users can also link their bank and credit card accounts through Plaid, a financial data company, for more detailed answers.
How does Gemini use Google Wallet data to track spending?
Once connected, users tag @Google Wallet in a chat and ask away. Gemini can chart last quarter’s spending, help a user save $1,000, or flag subscriptions that have gone up in price. It can also look at last year’s spending and suggest a holiday budget.
Can Gemini move money from a connected Google Wallet?
The connection is opt-in and read-only. Gemini can see account data but cannot move, manage or invest money, and users can switch the feature off at any time. That sets it apart from Google’s Universal Cart, which already allows Gemini to make payments.
What does Google say about privacy when Gemini reads Wallet data?
Privacy is the sticking point. Google says it does not train its AI directly on Wallet data. Its help pages, however, say that if users keep their Gemini activity turned on, the company may train on summaries of their transactions. Some of those conversations may also be read by human reviewers.
Google also launched a feature called Memory Summary, a page that shows what Gemini remembers about a user, including their goals and preferences. Users can edit or delete those details. The page is not available in Europe or the United Kingdom.
Google is not the first to try this. OpenAI began letting some ChatGPT users link bank accounts in May. Anthropic launched a similar read-only finance feature for Claude last week. Google’s move comes as it has also changed its privacy policy so that data from connected Gmail and Photos accounts can help shape ads, a change that adds to the scrutiny of how personal data flows through its products.
The Wallet connection is rolling out now across web and mobile. Google said it has partnered with Plaid to help users “unlock deeper insights,” but it did not provide details on what that partnership involves.
The feature is a different kind of AI money tool than the ones that have drawn the most attention. Meta Muse and OpenAI’s Dots agents are designed to shop on a user’s behalf. Several large companies, including United Airlines, Delta and Amazon, have banned AI agents from shopping on their platforms. Google is positioning its Wallet feature as a way to understand spending, not to make purchases.
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