Amazon and JPMorgan block Meta’s Muse AI agent

Meta rolled out Muse, its personal AI agent, in September.[3] Meta said more than 10 million people in the U.S. and Canada set up Muse agents during the first month and a half after launch.[3] An animated personal shopper can also book travel and make budgets.[3] The reported restrictions matter because they limit what agents can do on certain services, including shopping and banking platforms.[1][2]

JPMorgan has blocked external AI agents from accessing online banking on customers’ behalf.[2] The block prevents agents from doing tasks such as finding higher-interest deposit products or transferring money.[2] The bank says it blocks agents acting for customers because of security risks.[2] Amazon has prohibited AI agents from searching for or purchasing products on its site.[2] Charles Schwab is also restricting external agents from logging into customer accounts.[2]

Companies fear agents could steer customers to competitors with better terms, leak information, or act beyond the authority customers granted them.[2] The report also says fake agents could steal login or payment details.[2] Frequent agent queries could strain websites and customer service and raise costs, while companies also want to protect existing revenue and control over customer data.[2] These concerns cover both misuse and the possibility that legitimate agents do more than customers intended.[2]

The report describes services expanding to handle postponed tasks such as canceling unused subscriptions and comparing financial-product terms to recommend options.[2] An Accenture survey found that 71% of respondents welcomed AI agents in their primary bank’s app.[2] Walmart said prices shown to AI agents would be identical to those shown to human shoppers.[2] Retail analysts are skeptical that blockades will hold, and companies risk losing direct customer relationships they have spent decades building.[1]