Source: The Next Web
OpenAI is moving ChatGPT from a conversational tool into a financial intermediary by allowing subscribers to connect direct bank access—a shift that trades genuine convenience (faster spending summaries, budgeting help) for surveillance risk and third-party data exposure that most users won't evaluate before clicking accept. The advantage accrues to OpenAI, which gains access to transaction-level behavioral data while maintaining plausible deniability about what it uses that data for, especially as its training practices remain opaque. This mirrors how Google and Meta scaled by making frictionless integration more attractive than the privacy cost, except now the stakes involve liquid assets and full financial histories rather than browsing patterns.