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OpenAI is connecting ChatGPT to bank accounts via Plaid

firethering.com

131–140 of 155 posts

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#131

Earlier quoted context omitted.

Seems kinda weird then that they're listed in workatastartup.com: https://www.workatastartup.com/jobs/15283

Plaid is not a YC company. You can just google it to confirm.

Yet they are listed on the site that claims to only have YC companies. Very odd.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#132

Earlier quoted context omitted.

Plaid is not a YC company. You can just google it to confirm.

Yet they are listed on the site that claims to only have YC companies. Very odd.

I don’t know why they are on there, but YC startups list their batch and year in parentheses on job posts, e.g. (W25). Example: https://www.workatastartup.com/jobs/88812

The Plaid listing you linked doesn’t have a batch by their name.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#133
post #95
post #13

I’m generally positive towards AI and LLMs.. BUT there’s just things that nobody should be doing ever, like give it access to your production system or bank account.

Honestly, given that your bank most likely is processing your data using AI/LLMs anyway (after all, credit scores were one of the first applications of "big data" and "machine intelligence", back when that was mostly logistic regression over a handful of data points), why should I not also reap the benefits of that? I think until proven otherwise, it's fair to consider financial data public information at this point.…

Cannot you feed your financial info to an LLM rather than give it full access to your account? The point of not giving it full access is also a matter of security of your account, more than about privacy.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#134
post #40
post #29

> OpenAI did this with your health data in January. Now it wants your financial data too. This is far more valuable, they can see what political affiliation you have based on your campaign donations, predict things like cheating on your wife & the impending divorce, what vices you have and they can also build shadow profiles of all the people you give and receive money from even if they don't use the product.

If all they wanted was to know more about your profile, they could already buy this information form the bank I presume.

"could"? They for sure bought already all data they could put their hands-on, it's logical on a business perspective, they probably have a giant DB with a ton of world citizen, because why not?

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#135

Earlier quoted context omitted.

Yet they are listed on the site that claims to only have YC companies. Very odd.

I don’t know why they are on there, but YC startups list their batch and year in parentheses on job posts, e.g. (W25). Example: https://www.workatastartup.com/jobs/88812 The Plaid listing you linked doesn’t have a batch by their name.

Still kinda weird that a non-YC company gets to have job listings on a site for only YC companies.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#136

Earlier quoted context omitted.

I don’t know why they are on there, but YC startups list their batch and year in parentheses on job posts, e.g. (W25). Example: https://www.workatastartup.com/jobs/88812 The Plaid listing you linked doesn’t have a batch by their name.

Still kinda weird that a non-YC company gets to have job listings on a site for only YC companies.

I don't know; I'm not involved. Just noticed the UI affordance.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#137
In a few years Plaid will not be a thing. "Local" banks are already permitting their outsourced online banking systems to sell information on each line item. Soon it will be assumed that your transaction history will be easier to obtain than your credit.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#138
post #84

I’ve been asked to sign up to plaid by clients three times. Each time I’ve said no. I’m not giving a 3rd party access to my bank account. I don’t understand how people enable this total loss of friction for direct account egress. There needs to be friction.

Many banks just OAuth with Plaid now.

What a statement. What a statement. How many financial institutions do they support? How many different vendors supply the platform for those institutions? How many of those financal institutions (FI) don’t support oauth or other APIs? A lot! Then ask yourself: how do they talk get the data if no api? Web scraping. Then ask yourself how they build the scrapers for those? Where do those accounts come. Employees of the company who open up accounts at those FIs? What about all the other FIs? Where do you think those come from…? How do you think that process is secured? Think the process is secured enough to make you feel warm and cozy? When the scrapers are working, how do you think they get past the security measures? Do you think those financial institutions might think it’s odd that you’re logging in from multiple IPs and that one or more of those ips might be from a residential proxy network?

The result is that I attempt, at all cost to not use anything that requires plaid or their competitors since I know how that sausage is made.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#140
post #33

What's the local version of this? What's the best way to pull in my finance data locally, without clicking through to each portal? (USA)

Generally banks and credit card companies let you download the statements in a machine-readable form. CSV, OFX, and so on. You're pretty much "clicking" "each portal" to download them, or paying an evil company for their services (and again letting 3rd parties snoop on your finances).
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