has raised questions for policymakers about how to govern these powerful new technologies.
Large language models like ChatGPT can also be used to mimic a person’s writing style and impersonate them. An LLM trained to do this impersonation might not be able to fool a person’s family, but it may be convincing enough to fool a coworker, acquaintance — or a customer service representative at a bank. Even before the proliferation of language models, online identity validation was a major issue.
These agents could, in the fullness of time, become trusted"advisors" to their human users. They may interact with other agents and other humans for us. These interactions may eventually include financial transactions. Yet few users — and even fewer, if any, banks and financial regulators — will allow these agents to access the traditional, dollar-based banking system.
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