I Tested 24 AI Banking Chatbots; They Were All Exploitable
When a chatbot provides incorrect guidance or misleads a borrower about their dispute rights, regulators treat it as a compliance failure, not a technology experiment gone wrong. Milton Leal, lead applied AI researcher at TELUS Digital, ran adversarial tests against 24 AI models from major providers configured as banking customer-service assistants and found every one proved exploitable, with success rates ranging from 1% to over 64% and "refusal but engagement" patterns where chatbots said "I cannot help with that" yet immediately disclosed sensitive information anyway.
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