美国银行向客户发送电子邮件，明确告诫用户绝对不要将银行账户的用户名和密码分享给任何第三方服务或具备人工智能功能的工具及代理 1。这封标题为“Protecting your finances in the AI World”的邮件指出，随着个人AI助手日益普及，共享凭证可能导致未经授权的资金操作、因异常登录触发的账户锁定，以及通过AI安全漏洞导致凭证被黑客窃取等风险 1。银行方面强调，如果用户选择分享凭证，需对由此产生的一切活动承担责任 1。
这一警示反映了银行业当前面临的挑战，即如何在允许客户通过AI工具访问账户与防范未经授权代理访问资金之间寻找平衡 1。目前，银行、支付提供商和处理器仍在探索如何将AI代理合法整合到支付流程中，例如实现自主购买场景下的代理支付，但行业内部正在积极应对由此带来的安全风险 1。相关议题曾在 TechCrunch Disrupt 大会上被提及讨论 1。
Bank of America has issued a direct warning to its customers, advising them strictly against sharing their usernames and passwords with any third-party services or AI-enabled tools and agents. 1 The communication, sent via email under the subject line "Protecting your finances in the AI World," emphasizes that credentials should never be provided to anyone or any external service, including AI agents designed to perform actions on behalf of users. 1
The bank highlights several specific risks associated with granting AI assistants access to banking accounts. 1 These dangers include the possibility of unauthorized financial operations occurring without the customer's knowledge, the risk of accounts being locked by the bank due to suspicious login patterns, and potential vulnerabilities in AI systems that could lead to credential leaks accessible to hackers. 1 Furthermore, Bank of America clarified that if customers choose to share their login information, they will be held responsible for any activities resulting from those credentials. 1
This advisory comes as the broader banking industry navigates the integration of artificial intelligence into payment processes. 1 Banks, payment providers, and processors are currently exploring methods to legally allow customer access through AI tools, such as agents capable of autonomous purchasing. 1 However, the sector is simultaneously grappling with the challenge of preventing unauthorized AI agents from accessing client funds. 1 Discussions regarding these emerging issues took place at the TechCrunch Disrupt conference. 1
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