Artificial Intelligence, Member Exclusive, Who owns the customer ChatGPT can now connect to your bank accounts via Plaid, offering spending insights, subscription tracking, and financial dashboards, marking a revival of personal finance management (PFM). Once a category that failed to find sustainable unit economics, PFM is back, and this time, with OpenAI's scale and Plaid's reach across 95% of US banks, it may finally have the right foundation.