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OpenAI is connecting ChatGPT to bank accounts via Plaid

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Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#41

It’s like we are trying to run as fast as possible towards an AI controlled disaster by connecting absolutely everything we can to the AI… even in the worst sci-fi the robots need to steal codes to get access to systems and we are just leaving the door wide open.

don't worry, we'll have plenty of human controlled disasters from this before we even get to agi

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#46

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.

One thousand times this. I am not giving away the keys to my bank accounts.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#47

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.

Have you ever entered your routing+account number into HR software for direct deposit? Doesn't that qualify as handing a third party essentially the same access as Plaid gets? I think bank accounts are generally more accessible in the modern era, it's just a risk that you take.

Of course, you're not obligated to use Plaid but I do find the concerns around this quite strange since you're likely exposing account information already.

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#48
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.

Campaign donations are already public if you donate over $200 - https://www.opensecrets.org/donor-lookup

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#49

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.

Hijacking this comment to complain about fintech apps / saas providers requiring Plaid - please stop.

For example, Coinbase requires logging in with Plaid to... setup auto-pay for their credit card statements. No way to just provide account/routing numbers the good ole way.

There's lots of issues with Plaid but one big one is that banks (e.g big ones like BofA) can lock your account due to suspicious login with Plaid.

https://x.com/kanateven/status/1973793740331368841

Re: OpenAI is connecting ChatGPT to bank accounts via Plaid

#50

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.

Have you ever entered your routing+account number into HR software for direct deposit? Doesn't that qualify as handing a third party essentially the same access as Plaid gets? I think bank accounts are generally more accessible in the modern era, it's just a risk that you take. Of course, you're not obligated to use Plaid but I do find the concerns around this quite strange since you're likely exposing account inform…

plaid asks for your bank username and password not just your routing + account
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