If AI knows everything, and can give better advice than most humans… why not ask it how to get more bang for our buck? This is not surprising, since financial doubts are one of the most common types of questions in AI chatbots (11% of questions). So at Anthropy they thought: Why don’t we make a specific tool for Claude?
Personal Financial Assistant. Anthropologie follows in the footsteps of OpenAI, which already introduced a tool integrated into ChatGPT for personal financial analysis in May. The idea is more or less the same: connect bank accounts to a chatbot and let it be in charge of giving advice on cleaning up the economy.
Since we don’t all have the same idea about money, and since many of us definitely waste money without knowing where it’s going (those monthly subscriptions that haven’t been canceled), the cloud comes to our rescue without us manually uploading data. After linking it to the account, the AI itself will be in charge of the analysis. It will also suggest ways to clean up the economy, wherever possible.
just read. With access to bank accounts, Claude can identify duplicate charges, unexpected fees, or unexpectedly inflated receipts. AI provides suggestions, graphs and all kinds of information that are easy to understand according to Anthropic.
To secure the tool, Claude can read account data, but cannot trade with said accounts. It is able to know how to make better investments or pay less for services, not to hire new ones. Always according to the anthropology. And this is not a minor detail: there are already agents, such as Instinct, that save what the user did not request. It is worth taking into account.
Too much information for anthropologists? Personally, I am one of those who believe that the less personal information an AI has, the better. Especially if it collects banking, investment, money movement and similar data. Anthropic says it puts user privacy first and doesn’t use those conversations to train its models, but there’s only one way to be sure: don’t give it to them.
In addition, it is worth remembering:
- More meets the eye. Includes account name, balance, credit limit and up to two years of transactions, trades, categories and concepts. And if the entity enters the full account number in any of those concepts, they’ll see that, too.
- Without access to your password, but the data passes through more hands. Access to the bank is through Plaid, which is governed by its own privacy policy. Cloud hosting providers also manage that data.
- **Doesn’t train with your money… in its category. What you talk about in personal finance is not used to train models. If you ask about your money in a normal chat, they send your privacy settings.
- History remains. Numbers will remain in the conversation until you delete them Not all of these chats go into Claude’s memory or his monthly summary.
- Unlinking the bank does not delete the deposit. Cloud stops reading the added account, but what he has already answered about it continues in chat, artifacts, and shared links. All these data must be deleted manually by the user.
- Beware of share buttons. A link in a conversation can show banking details, statistics and graphs. Additionally, an artifact with bank details still exists even if the chat is deleted.
- Even if you cancel the subscription, banks remain connected to Cloud. When Claude stops paying, the bank accounts stop reading, but the entities remain linked until they are manually unlinked. This can also be done from my.plaid.com.
Currently only in the US. The new personal finance monitoring tool is only available on Claude’s Pro, Max and Ultra accounts. And it remains tied to the United States.
Cover image Edited with Claude ChatGPT
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