The Illusion of Friendly AI: You’re Not a Customer, You’re a Data Stream They paint a picture of a future where your banking app knows you better than you know yourself—or so they claim. But what they don’t tell you is that behind every “tailored tip” is an algorithm probing your vulnerabilities, nudging decisions, nudging consumption, and feeding your profile into centralized systems nobody outside the boardroom sees. Take CaixaBank’s “Cosmos” rollout. Sure, it’s framed as innovation—biometric logins, co‑browsing, an AI agent that helps you compare product offers in real time. But that “agent” is also quietly logging your hesitations, your abandoned queries, your risk profiles—and feeding that into underwriting models or cross‑selling engines. What looks like convenience is control.…
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