当AI想当你的手机管家，银行说“不”

Core Viewpoint - Doubao Phone has recently gained popularity but has voluntarily given up operating banking apps due to security concerns raised by financial institutions [3][31]. Group 1: Doubao Phone's Decision - Doubao Phone's assistant faced restrictions from several banking apps shortly after its release, leading to the decision to limit the use of financial applications [3][31]. - On December 10, tests showed that Doubao Phone's assistant failed to operate banking apps from major banks, citing security and compliance reasons [3][32]. - The assistant's announcement on December 5 stated it would not replace users in sensitive operations, but this did not alleviate banks' concerns about financial security [3][31][32]. Group 2: Security Concerns - Banking professionals emphasize that without guaranteed security, banks will not easily allow the use of Doubao Phone's assistant for financial transactions [3][31]. - The assistant's technology, which requires screen reading, poses challenges to existing security measures in banking apps, potentially increasing risks of fraud [21][22]. - Concerns were raised about the assistant's ability to bypass traditional identity verification methods, which could lead to significant risks for customer accounts [22][52]. Group 3: Regulatory and Compliance Issues - The use of screen reading technology raises questions about compliance with the principle of "minimum necessary" data collection, as it may inadvertently capture sensitive information [21][53]. - Doubao Phone's commitment to not storing data is viewed skeptically, as the potential for data leaks remains a significant risk [54][55]. - Industry experts argue that without concrete measures for data isolation and compliance, Doubao Phone's assistant may struggle to gain acceptance in the financial sector [56][58]. Group 4: Future of AI Operating Systems - The emergence of AI operating systems like Doubao Phone's assistant could disrupt traditional banking and financial services, pushing banks into a more backend role [27][57]. - If this model becomes mainstream, it may lead to increased competition and necessitate a reevaluation of regulatory frameworks to prevent monopolistic practices [28][58]. - The success of AI assistants in finance will depend on resolving compliance and security issues while establishing a sustainable business model [27][58].