Many consumers are already turning to AI chatbots for financial guidance, but most of that advice remains broad and generic. According to a recent LendingTree survey, nearly half of AI chatbot users say AI has influenced a financial decision, and more than a quarter regularly rely on chatbots for financial information. People commonly seek help with personal finance management, stock market trends, and even public services like Medicaid. Despite this growing reliance, AI tools such as ChatGPT lack access to users’ real financial data, limiting their ability to deliver advice that truly reflects individual circumstances.
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Sophtron is working to change that by connecting personal financial data directly into ChatGPT. The company acts as an AI agent that securely links users to their bank accounts, credit cards, investments, mortgages, loans, and utility accounts. With a unified view of a user’s financial life, Sophtron enables AI chatbots to move beyond general guidance and provide advice tailored to real income, spending patterns, and financial goals.
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“AI models like ChatGPT are incredibly powerful, but without real personal data, their financial advice often stays generic,” said Nanjuan Shi, founder of Sophtron. “By securely bringing fragmented transaction data into the chat, Sophtron transforms ChatGPT into a personalized financial adviser that can offer relevant, actionable insights on how people spend, save, and plan.”
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Sophtron has introduced its in-chat app inside ChatGPT, allowing users to connect their financial accounts directly within the chat interface. By simply launching Sophtron and granting permission, users can securely share account and transaction data. This enables ChatGPT to respond with personalized financial guidance based on real-time information, turning everyday conversations into meaningful financial planning support.
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