I recently came across an interesting observation. While ordinary people are quite excited about AI agents like OpenClaw, banks and large financial institutions remain very cautious about them. And honestly, their concerns are completely justified.

When I talked to some people working in the banking sector, they repeated one thing — data security. Banks hold sensitive information of millions of customers, along with daily transaction data. If an AI tool is misconfigured or given excessive permissions, the entire system could be at risk. A member of a public bank’s tech team said that compared to regular users, banks not only have more data but also much more sensitive data.

At the beginning of 2024, ICBC issued an alert advising people to avoid tools like OpenClaw. They warned not to share sensitive information — photos, contacts, identity documents, bank account details — with unknown software. It’s just like handing over your DIY piggy bank to a stranger. Your own money, your own data, your own responsibility.

On the other hand, they also warned about fake scams that look very attractive — “AI-powered stock management,” “guaranteed profit,” “low risk, high return.” All these are signs of fraud. Always double-check before any money transfer, recharge, or investment. Never assume that an unknown tool will make your money grow.