OpenAI 正与 Plaid Inc. 合作，让 ChatGPT 利用消费者选择从已连结帐户分享的资料，提供个人化财务建议。到目前为止，ChatGPT 只能提供一般性指引，但 Plaid 的资料流可让它依据使用者的实际财务状况量身调整建议，例如判断该先偿还哪一张信用卡，以及偿还多少。OpenAI 表示，ChatGPT 不是专业财务建议的替代品；Plaid 执行长 Zach Perret 则表示，目标是提升财务自由、对产品的理解，以及对金融系统的信任。
随著消费者对 AI 财务指引的需求成长，这项举措也随之而来。OpenAI 表示，已有超过 200 million 使用者把 ChatGPT 用于预算编列、投资问题及其他与金融相关的主题。Plaid 的触及范围很重要，因为美国多数消费者都已透过 Plaid 将银行帐户连接到一家 fintech，这让 OpenAI 有机会取得广泛的帐户层级资料。与此同时，传统顾问以及 Charles Schwab Corp. 等公司也在采用 AI，而 Anthropic PBC 则以新的 agents 进军金融服务。
目前版本是唯读，因此消费者仍必须自行转移资金或采取其他行动，OpenAI 产品主管 Ty Geri 这样表示。仍有重要缺口，包括未出现在已连结帐户中的资产，例如房屋净值。Perret 表示，这次推出只是初步一步，并预期随著 OpenAI 与更广泛的产业在 1, 2, or 3 years 内为金融体验加入更多广度与品质，产品将会演进。这项合作显示 AI 协助金融的更大转变，但也凸显完整性、执行，以及需要人类监督的限制。
OpenAI is partnering with Plaid Inc. to let ChatGPT deliver personalized financial advice using data consumers choose to share from linked accounts. Until now, ChatGPT could only offer generic guidance, but Plaid's data feeds could let it tailor suggestions to a user's actual finances, such as identifying which credit card to pay off first and how much. OpenAI said ChatGPT is not a replacement for professional financial advice, while Plaid CEO Zach Perret said the aim is to improve financial freedom, understanding of products, and trust in the financial system.
The move comes as consumer demand for AI financial guidance grows. OpenAI said more than 200 million users have used ChatGPT for budgeting, investment questions, and other finance-related topics. Plaid's reach matters because the majority of US consumers have linked a bank account to a fintech through Plaid, giving OpenAI potential access to broad account-level data. Meanwhile, traditional advisers and firms such as Charles Schwab Corp. are also adopting AI, and Anthropic PBC is targeting financial services with new agents.
The current version is read-only, so consumers still must move money or take other actions themselves, according to OpenAI product lead Ty Geri. Important gaps remain, including assets that do not appear in linked accounts, such as home equity. Perret said the rollout is only an initial step and expects the product to evolve over 1, 2, or 3 years as OpenAI and the broader industry add more breadth and quality to financial experiences. The partnership signals a larger shift toward AI-assisted finance, but it also highlights limits around completeness, execution, and the need for human oversight.