Abstract:
Google announced that Google Wallet has now joined Gemini's "Personal Intelligence" list of connected applications, alongside services such as Gmail, Google Photos, YouTube and Google Search. After users complete the connection, Gemini will be able to provide more personalized financial analysis and budget recommendations based on their consumption records and spending habits.
In addition to directly connecting to Google Wallet, users can also link credit card accounts and bank accounts to Wallet through the Plaid platform, allowing Gemini to obtain more comprehensive financial data. During the chat, users only need to use the "@Google Wallet" tag to consult Gemini on personal finance, consumption analysis, and budget planning.
According to the example released by Google, Gemini can analyze the user's spending in the past quarter and generate charts related to cash flow, asset allocation and budget management directly in the conversation. For example, when a user plans to save $1,000 in the next three months, Gemini can give reference suggestions and budget plans based on their financial situation.
In addition, Gemini can also scan periodic deduction items in linked accounts to help users identify ongoing subscription services and remind users of which subscription fees have increased this year. The system can also count the user's spending on gift purchases and travel in the previous year, and use this to develop a more reasonable consumption budget for the upcoming holidays.
In terms of privacy and security, Google emphasizes that Gemini only has the authority to read account information and cannot transfer funds, manage assets, or perform investment operations on behalf of users. The connection function of Google Wallet adopts a voluntary activation mode. Users need to manually authorize it on the "Connected Apps" page in Personal Intelligence settings, and can cancel the connection at any time.
Industry insiders pointed out that this feature is similar to "ChatGPT Finance" launched by OpenAI this year, which also allows users to connect bank accounts to obtain analysis and recommendations based on personal financial data. However, Google chose to integrate related capabilities into the Google Wallet ecosystem this time, further strengthening Gemini's application scenarios in the fields of personal assistants and daily financial management.
Google stated that the linkage function between Google Wallet and Gemini has been pushed to all Gemini application users in the United States starting from November 13, local time, covering the web version and Android and iOS platforms.
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