The banks are having an AI problem ” These are generally situations when an agent or AI assistant accesses a human’s account with the user’s permission and login credentials. Even if permitted by the user, this goes against the guidelines of most banks requiring that humans log in to their own accounts.” ”In other instances, some banks have tracked activity when agents — programmed to fulfill requests or complete tasks on a user’s behalf — contact call centers or appear to take actions independent of user instructions, the people said.”