How Is OpenAI Building ChatGPT for Finance?

Joseph Kim tells Richard MacManus that OpenAI built most of ChatGPT for financial services on the ChatGPT plugin architecture, and that 95% of the work is something a startup or another company could do without changing the model.

Codex gets a finance product about 80% of the way, and the missing 20% is what decides whether it wins. Launching Codex by itself as a finance product would fail. The team built that missing piece on the same plugin primitives any outside builder can use. A billion-dollar business can sit on a ChatGPT plugin by keeping that horizontal product and adding a secret sauce, which might be data, a UI change, or an integration.

The team inside OpenAI hits the same wall a startup would. Codex already has memory, skills, and persistence. The finance product still needs a scalable way to stand on that and add the last layer.