Between October 13 and October 16, 2026, JPMorgan Chase, Bank of America, Citi, Schwab, and Wells Fargo moved to restrict third-party AI agents from accessing customer accounts. In a span of three days, the financial sector erected a digital wall, creating a banking twin to the access tax Amazon imposed on Meta's Muse agent months earlier. The Wall Rises The precedent for this exclusion was set in September, when Amazon blocked Meta's Muse agent, citing unauthorized access and credential capture. That incident highlighted the friction inherent in the fragmenting gate of the digital economy.
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