JPMorgan Chase blocks external AI agents from accessing customer accounts

AI-generated briefing · First published

CEO Jamie Dimon cited security risks, saying the bank will not let outside agents operate on behalf of clients.

JPMorgan Chase will not allow external AI agents such as Muse and Instinct to access customer accounts or perform transactions on their behalf, CEO Jamie Dimon said on the bank's third-quarter earnings call, citing risks to clients and the bank. [1] [2]

A bank spokeswoman confirmed that third parties cannot log in with customer credentials to move funds or pay bills, though read-only access to balances via connectors like Plaid remains permitted; no timeline was given for future agentic connections. [1] [2]

Dimon noted the bank is piloting its own AI tool, Smart Cash, and warned that customers authorizing outside agents should understand the associated liability transfer. [1] [2]

Sources

  1. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts

    CNBC · · Full text

  2. 摩根大通禁止Muse、Instinct等外部AI代理直接访问账户

    Sina Finance · · Full text

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