“‘Human in the loop’ is a core design discipline
By now, ‘human in the loop’ has become a checkbox on AI slide decks. But for agentic coworkers in banking, it must be an operating model designed according to risk tier and regulatory materiality (see sidebar ‘Case in point: How a hybrid human–agent workforce operates in practice’). The goal is to put judgment where judgment belongs and automation where consistency creates value. Banks failing to define this explicitly will bottleneck low-risk work through excessive oversight or expose high-risk workflows to unchecked autonomy. The following core principles can help executives avoid both of those outcomes:”