Gemini answers personal finance questions based on spending records
Google on Nov. 13 (Nov. 14 Japan time) announced that it has added its payments app "Google Wallet" to the apps connected to "Personal Intelligence," the feature that lets its AI chatbot "Gemini" answer using a user's personal information. Google's official account disclosed it on X. The post was published at 2:27:13 a.m. Nov. 14 Japan time. Gemini will give more tailored answers to personal finance questions based on the user's spending habits, it said.
Personal Intelligence in Gemini securely connects information from apps you already use to make your experience more personalized and helpful. Today, we’re adding Google Wallet to the list of connected apps so you can get more tailored responses in the @GeminiApp around personal finance questions, based on your spending habits, including: 📈 Generate dynamic charts tracking cash flow, asset allocation, and budgets directly in your chat to help you visualize your spending. 📅 Find forgotten subscriptions and recurring charges across your linked accounts, and Gemini will also flag any price increases. 🎁 Set a budget for the holidays by asking “How much did I spend on gifts and travel last year? Use that to help me set a holiday budget” and Gemini will look at your transactions from the last year to suggest a budget tailored for you. You’ll also have the option to securely link your financial accounts from your credit cards and banks to Wallet via @Plaid to unlock deeper insights.
Personal Intelligence is a system that draws on information from the apps a user uses in Gemini's answers. In October, connections to Google Maps and Calendar were added, and it now extends to payment records. Gemini's official account @GeminiApp also reposted Google's post.
Charts, finding subscriptions and suggesting budgets
According to the official post on X, Gemini connected to Wallet creates charts in the chat that track cash flow, asset allocation and budgets. It finds forgotten subscriptions and recurring charges across linked accounts and flags any price increases. Asked about last year's spending on gifts and travel, it suggests a holiday budget from the past year's transactions. The official blog gives, as an example of a question that produces charts, a request to review last quarter's spending to save $1,000 over the next three months.
Users can also link credit card and bank accounts to Wallet through Plaid. Linking is optional and unlocks deeper insights, Google said. The official materials retrieved did not list the supported financial institutions.
Gemini can only read accounts, and users choose to connect
In a reply in the same thread, Google said it built the tools with security and privacy at the center. Even when a user chooses to connect Wallet, Gemini can only read the accounts and cannot move, manage or invest money, it said.
@GeminiApp We built these tools with security and privacy at the center. If you choose to connect your Wallet, Gemini can only read your accounts; it can’t move, manage, or invest your money. Learn more. https://t.co/X7oZjbQu58
According to the official blog, the connection is made under "Connected Apps" in the Personal Intelligence settings. Users decide if and when to opt in, and can turn the connection on or off at any time. Google also pointed to "Memory Summary," which lets users review and edit the preferences, interests and goals Gemini remembers in one place.
Rolling out to all Gemini app users in the U.S.
According to the official blog, the Google Wallet connection is rolling out starting Nov. 13 to all Gemini app users in the U.S. It covers both web and mobile, and works in the Gemini app on Android and iOS.
The official post on X and the official blog did not give pricing, eligible plans, age requirements or any plans to offer it outside the U.S. Google also did not give figures on the accuracy of the answers.
