OpenAI 整合 Plaid 授权 ChatGPT 直接访问用户银行账户
openai 推出预览版，允许美国 pro 用户通过 plaid 关联银行账户以获取个性化理财建议，引发了数据隐私担忧。
openai introduced a new feature allowing chatgpt to securely read financial data from 12,000 institutions via plaid, targeting 200 million monthly users already asking finance questions. the tool creates a spending dashboard and offers reasoning-based advice on budgeting and major life decisions, marking openai's expansion into sensitive verticals following its health records launch in january. while openai guarantees that the ai cannot move funds or view full account numbers, users must opt-in to data training and face a 30-day lag for data deletion upon request. critics worry about the security implications of openai holding comprehensive financial history given the company's shift toward profitability and the lack of detail on protection against system hacks.