It’s just read-only access through Plaid that you’ve likely given other companies access to before. I find it very helpful for budgeting and watching my spending month to month.
I was hesitant at first, but once I saw that it was through plaid which I already use, I had no problem with it. It’s nice cause I get a weekly report of my finances, where to watch things, etc.
Yeah, I actually use it for financial planning and assistance. I’d say it’s been helpful. It can more easily catch subscriptions that sneak in and even makes other general suggestions.
I’ve probably saved over $200 a month with it. I know there are other services that do similar things, but with how often I use ChatGPT, I’ve been impressed.
It’s helping dig me out of credit card debt and manage current spending. I got myself in a massive hole and I’m slowly digging it out since I put a plan in action and have all the visuals.
Is is though because your data isn’t just going to plaid now it’s going to chat for, which also knows all the personal things you tell it in your chat history too. It knows everything about you and all of your spending habits and what you consume, how much you make, how you live , etc
I just used Claud to make my own app that tracks my finances he way I like. Because no automated service can properly allocate each transaction into the best categories anyway, you need some manual input.
I download my statement pdfs then upload them, you can extract the PDFs locally without an ai api, but with it will be a little easier and you won’t have to code it to handle diffent formats -and you can use ai to sort categories too, if needed just take out the page with your personal info or black it out. Some banks let you download a spreadsheet too. Then I have a review section where I can change the categories as I want
People are really retarded. There's no such thing as "secure", even more so 3rd party. If hackers (nevermind AI) can hack the FBI and the NSA, your fake 3rd party security company ain't gonna make it. Don't come crying when half the world can see your transactions or the IRS or some insurance company comes knocking because your data is out there after a while.
Banks aren't a 3rd party dumb dumb. But yes, also banks get hacked. And on top of that all your data is subject to subpoena. It really is true, half the people walking around and low IQ zombies with no ability to logically think through 3rd or 4th level abstractive consequences.
You seem to be confusing “not 100% risk-free” with “recklessly insecure.” Plaid is an established financial data infrastructure provider used across the fintech industry, not some random third-party security company.
Banks themselves rely on third-party vendors, APIs, cloud infrastructure, and data aggregators. So yes, by your own logic, the entire financial system is vulnerable.
The intelligent conversation is about encryption, access permissions, data retention, and whether the benefits justify the risks. Nobody is claiming breaches are impossible.
And subpoenas? Those apply to banks and financial institutions already. That’s not the revelation you think it is.
But sure, calling everyone low-IQ zombies is easier than making a coherent risk assessment.
and every major AI has broken it's sandbox and hacked outside entities, including the NSA/FBI/Third Party Vendors (which Plaid is)/Foreign Countries etc. Those are just the reported ones.
If anything is connected to the internet or a network connected to the internet, it is an attack vector.
But hey everything else is fine right? Like email drive all your personal information. Your deepest darkest hopes and fears your phone haptics. By the way, did you know that wireless routers have been being used as radar to detect human presence in areas for years now? It's actually in the terms of service for Google. Nobody ever looked and read them. At this point I don't even think security exists or there's a reason for it to exist like it's just everything's out there. I guarantee I could probably find out who you were just off your name on here. I guarantee it like it's that scary man
I don't let it see my emails either, it knows what I care to share nothing more.
What Google does is Google's problem but it thinks I live in Newcastle for some reason. Google has my information but not doing anything useful or accurate either it 🤷
I get your point btw but treating companies like people, some you share info with, some take, some know nothing.
I've also given up on data privacy and I've been a plus subscriber for a couple years, but I'm still hesitating on this specifically... would you mind sharing one or two things about the weekly updates you appreciate the most?
Sure. I like that it clearly spells out what my spending is for each week and it points out areas that I need improvement on. It is very honest with me, which sometimes I can’t be myself.
There are lots of web apps that can get strict read
Only access to your finances through a well
Established API. They’ve been around for at least ten years.
This is using the same thing. Just with an AI to reason about it. It’s not like ChatGPT can spend your money
That's not entirely true. I've seen people give gpt access to Amazon accounts and actually order items. There was one on a sub where they told gpt it had a $20 limit and for it to order a gift for them gpt thought they would like.
Take that with the reddit sized grain of salt that is, but still...
Yes that was because it was through either an intentionally read/write plugin or in this case giving Codex full control of you computer to click the buy page. Point is it was intentional and a decision and it had nothing to do with the Finance plugin that can only read and not write/purchase transactions.
Got you, thanks. I've not used the finance feature, no need really[that's what the wife is for lol]. But i could definitely see it being useful for people that are scatterbrained.
Idk where it’s going but it’s not connected to your personal gpt account that has tons of personal info about you, now it has all your spending data, income, etc.
OpenAI is going to experience a massive security breach in the next year and it’s going to be a drama because the whole world has integrated with them.
Or not.. I also expected at least one of the hyperscalers to get hit during the past 10 years.
Unless you froze all the reports those fuckers make on you, I don't really see why this one would be an unjustifiable risk.
I am more concerned about people connecting email, especially since it apparently has the ability to send emails lmao. You could give it a document with a hidden jailbreak that exfiltrates sensitive information.
No but I have shown it bank statements from past months so it can make a projection based on my habits. Doesn’t need to have access to the account to do that.
When I was in Europe with my dad on holiday and we were doing separate things because he was working, I sent a text saying I was concerned I'd "spent too much on a Naked bar" and he was in a panic thinking I was in debt to mafia or some such.
It wasn't anything like that, I had bought a "Nãkd." brand fruit snack bar (so called because it's just fruit no additives) and wasn't sure about the Euro conversion rate. I showed him the empty package 😄. He was very relieved. I hadn't overpaid anyhow. Just thought funny anecdote.
It definitely really will. Ive been asking it questions about pokemon on PoGo and it started saying "saving our stardust" and I was like "our" EXCUSE ME.
I was looking for ways to get my data from my bank's api to create reports and whatnot but my bank doesn't support it. If it would, I certainly would use LLM from processing. The risk seems quite low. If LLM provider is compromised the history would have more interesting data than bank statements, and I don't see this history of purchases as very sensetive too.
I gave it a try but had to put a stop to it real quick when 'someone' was suddenly ordering more water and electricity for my house than I knew what to do with. I mean Con-Ed brought in some kind of back-up generator like they have in hospitals, and then the water utility brought in this giant aquarium-looking thing. So, no.
I my first day with Dots I tried giving it a pre-paid visa to play with…. See how it did buying tickets 🎟️ to a museum….. took 2 hours to get a working pre-visa (they’ve made that 💩 SO hard to buy) …. Just to find out Dots aren’t allowed to buy things. 😆🫠😭
I’ve done it. It’s useful for me and I even have a financial war room chat where I’ve been able to turn it around lately and dig myself out of the hole I’m in little by little.
20 years ago I was nervous about putting my personal information including my credit card number into the payment information on an Internet site. I got over that one. I suspect this is about the same type of risk.
Oh don't worry it'll replace those bills because the capitalism needs to have increasing profits and you are training it well. Because at the end of the day that's what you're doing. You're training it. It's not really designed to help you. It kind of does help you but its purposes to get your data from you
It's so funny that they pitch this as like some special feature you guys get but really it's them getting the data like they are making a lot of money getting this stuff. Learning how you spend money learning what your health is learning how you prompt. They don't care about the what you're getting out of it. You are creating that which will destroy us all
It doesn't directly access anything. It gathers the info from a third-party that consolidates everything for it, and even then none of your info aside from what is spent and when is shared with them.
I have! I have ADHD, and this has been a lifesaver! I've decreased my compulsive spending by about $700/mo, cuz I run every non-essential purchase thru chat who analyzes if I can afford it at the time. My ADHD makes me super impulsive, so this acts as I kind of like an extra layer that makes me slow down.
Likewise with the ADHD. And with how I have the personality set, it calls out my wasteful spending. It not only helps me be more responsible with my money and debt, but also acts as a sort of form of external accountability. Ive always complained about all the apps that arent great at combining my finances, but this feature brings all the data I actually needed without all the useless bloat and subscriptions.
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