Human-in-the-loop AI is becoming the default, not the exception
Market
Enterprise AI/ML governance / financial-services operating models
Trend
Financial institutions are shifting from maximum autonomy toward risk-based human oversight. TD Bank reports that 78% of Americans use AI tools, yet only 18% are comfortable letting AI make important financial decisions independently.
Tech Highlight
Set oversight by materiality: periodic review for lower-risk work, real-time human approval for decisions affecting customers, capital, liquidity, compliance, or resilience. Design people as orchestrators and exception owners instead of adding a manual checkpoint to every task.
6-Month Outlook
Boards will expect AI operating models to name decision owners and intervention thresholds. Watch customer-impact tiers, override rates, model-drift evidence, review time, and bottom-line outcomes replace generic human-in-the-loop claims.