u/East_Economy5568

Imagine applying for a car lease.

An AI system reviews your financial history and recommends rejecting the application.

A human signs off on the final decision.

Would you be satisfied with:

"Our AI assessed your risk."

Or should companies be able to explain:

• what information the AI considered,
• which company policies applied,
• what role the human decision-maker played,
• and why the application was ultimately rejected?

As AI becomes more common in financial services, I'm curious where people think the balance should be.

Should AI only assist?

Or should it eventually make these decisions on its own?