Despite its new, bigger headline number, Plaid is still valued at 40% below its $13.4 billion peak in 2021, when ultra-low interest rates drove a massive surge in fintech valuations.
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另一层更致命的是责任漂移。模型输出参与决策、代理系统参与执行，过失主体更容易在供应链里移动，从部署方漂到集成商，再漂到平台与模型提供者。巴伦指出什么算AI、什么算AI使用在司法与理赔中仍存在解释空间，这会拉长争议、抬高准备金不确定性，也迫使承保条件更前置。