{"id":27114,"date":"2026-11-04T10:41:07","date_gmt":"2026-11-04T09:41:07","guid":{"rendered":"https:\/\/scheer-pas.com\/en\/?post_type=post_type_article&p=27114"},"modified":"2026-11-04T11:12:09","modified_gmt":"2026-11-04T10:12:09","slug":"ai-agent-governance-banks-draw-line","status":"publish","type":"post_type_article","link":"https:\/\/scheer-pas.com\/en\/blog\/article\/ai-agent-governance-banks-draw-line\/","title":{"rendered":"The banks drew a line for AI agents. Where’s yours?"},"content":{"rendered":"
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The banks drew a line for AI agents. Where’s yours?<\/h1>\t<\/div>\n\n<\/div><\/div>
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4 November 2026 | Ivan Tadi\u0107<\/p>\n<\/div><\/div><\/div><\/div><\/div>

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On 13 October, Jamie Dimon used JPMorgan Chase’s quarterly earnings call to talk about something that rarely makes it onto a bank’s results agenda. The bank, he said, would limit how much access AI agents get to client accounts. He did not want rogue agents, and there could be thousands of them.<\/p>\n

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Nine days later, Reuters reported that several of the largest banks in the United States were blocking or restricting third-party AI agents from logging into customer accounts and moving money.<\/p>\n

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None of these banks banned AI, on the contrary most of them are investing heavily in it, but what they did do was draw a line around who gets to act, where, and with whose keys. Every company that is putting agents into production will have to draw that line too. The only question is whether it does so on purpose. That deliberate decision is what AI agent governance is about.<\/p>\n<\/div><\/div><\/div><\/div>

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What the banks actually did<\/h2>\t<\/div>\n\n<\/div><\/div>
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The story began with a customer habit, not a hack. Some customers had handed their bank login and password to an AI assistant and asked it to pay a bill or move money. To a bank’s fraud systems, that session looks like an account takeover: unfamiliar software, unfamiliar network, machine speed. According to Reuters<\/a>, the banks typically flagged and blocked those transactions.<\/p>\n

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The responses that followed are on the record:<\/p>\n

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