Chatbots Access Your Bank Accounts

Major consumer chatbots are moving from answering finance questions to directly connecting to bank and investment accounts (here via Plaid) so they can analyze transactions, flag subscriptions, and offer personalised financial advice. That integration includes opt‑in settings for model training, a paid‑tier rollout, and deletion windows that create new governance, competition, and privacy tradeoffs. — This shift makes consumer AI a primary gatekeeper and processor of household finance data, with implications for privacy, model training consent, vendor lock‑in, and financial‑system concentration.