Artificial intelligence is rapidly extending its reach into users' wallets. According to TechCrunch, OpenAI, a major player in large models, recently launched a groundbreaking personal finance tool preview for its ChatGPT Pro subscribers, allowing U.S. users to directly link their personal bank accounts to the chatbot.

With this new feature, users can consult the large model anytime for personalized financial questions. Whether it's an in-depth analysis of daily spending habits or long-term financial planning, AI can provide immediate answers based on real data.

OpenAI

Direct connection with thousands of financial institutions

To ensure the security and stability of account connections, OpenAI has partnered deeply with Plaid, a well-known financial connectivity service in the United States. Through this platform, users can easily link more than 12,000 mainstream financial institutions, including Capital One, JPMorgan Chase, American Express, and Charles Schwab.

Once the account is successfully connected, ChatGPT will generate an intuitive data dashboard for the user. Here, users can instantly view their investment portfolio performance, daily spending proportions, ongoing subscription services, and upcoming bill payment reminders.

Deep reasoning empowering asset planning

OpenAI officials revealed that over 200 million users are already consulting ChatGPT about financial-related questions each month. The latest upgraded GPT-5.5 model shows stronger capabilities in deep logical reasoning based on context, which is key to accurately answering complex financial questions.