OpenAI is connecting ChatGPT to bank accounts via Plaid

Post by kridsdale1 » Fri, May 15, 2026, 5:23 PM UTC

gruez wrote: post #39

cbg0 wrote: 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.

>they can see what political affiliation you have based on your campaign donations You can get a pretty good estimate just by looking at other demographic factors like age, education level, income, and zip code. Moreover, how many people actually donate to campaigns? >predict things like cheating on your wife & the impending divorce, what vices you have and they can also build shadow profiles of all of the people you…

Post by redserk » Fri, May 15, 2026, 5:25 PM UTC

hypeatei wrote: post #47

binarymax wrote: post #16

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…

Post by measurablefunc » Fri, May 15, 2026, 5:25 PM UTC

webo wrote: post #49

binarymax wrote: post #16

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…

Post by webo » Fri, May 15, 2026, 5:27 PM UTC

hypeatei wrote: post #47

binarymax wrote: post #16

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…

Post by lacy_tinpot » Fri, May 15, 2026, 5:28 PM UTC

forinti wrote: post #9

People will pay for OpenAI to have access to their financial data??