American users of Gemini, Google's artificial intelligence assistant, can now retrieve information such as their boarding passes or the total amount they spent on groceries last month by simply asking the assistant a question. Google has connected Google Wallet, a digital payment and card management service, to Gemini, but the AI is not given the ability to make payments or access bank accounts directly. In 2024, Google shut down its Google Pay app in the United States and removed a feature called "Insights," which allowed users to link a bank account to track transactions, without offering a clear replacement, as noted by the tech news site 9To5Google at the time. Two years later, Google reintroduced this spending analysis feature into Gemini. The integration of Google Wallet with Gemini is now being rolled out gradually. In August, Google announced that Gemini had reached one billion monthly users, a large potential audience for this new feature. However, the feature is primarily aimed at American users, who can activate the connection under specific conditions, and Google will strictly control what its AI can do with users' financial data.
Until now, users primarily opened Google Wallet at checkout to make contactless payments or display loyalty cards, with some options to access the app more quickly. With the integration to Gemini, users can now ask the assistant in natural language about the contents of their digital wallet. On Google Wallet's help page, Google provides examples of typical queries in English. For instance, asking "Find the boarding pass for my flight to Chicago" will display the boarding pass for a flight to Chicago, and "How much did I spend on groceries last month?" will show the amount spent on groceries the previous month. Each user can also retrieve their airline loyalty numbers and receive a summary of rewards and offers tied to their registered cards. To track expenses, users need to link a bank account or credit card to Google Wallet through Plaid, a financial data service. According to 9To5Google, Google has reused the Plaid integration from the former Google Pay app for Gemini. Once this link is established, users can ask the assistant for expense summaries or budget suggestions, without needing to manually add up receipts.
To activate the connection, users can simply type the command "@Google Wallet" in the input area of Gemini, or activate Google Wallet in the list of connected applications on gemini.Google.com/apps. Users can also make a request related to Wallet and follow on-screen instructions to authorize access. Google has limited Gemini to viewing this data only; the assistant cannot make payments, modify, or delete financial accounts linked to Wallet. The account holder remains in control and can revoke the assistant's access to Google Wallet at any time through the connected applications section, and separately unlink their Plaid accounts in Wallet settings. For processing this information, the help page refers to a dedicated privacy guide for connected applications. The company also reserves this feature for adult users in the United States who have a personal Google account; professional and school accounts are not accepted. The "Gemini App Activity" setting must also be activated. The feature is available only in English, in the mobile app and on the web version of Gemini, but not in Gemini Live. According to the help page, the "@Google Wallet" command is not yet visible to all eligible users.
"I already pay a lot of attention to the amount of personal information I entrust to the AI," wrote Shimul Sood, a journalist at Android Authority, who plans to disable the feature despite its practical benefits. This highlights the ongoing debate about the balance between convenience and privacy in the use of AI assistants with access to personal data.
Google Integrates Financial Data Access into Gemini AI for U.S. Users
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