Better technology alone still cannot hold final decision-making authority

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Bill Christensen, senior vice president of risk and underwriting at Maverick Payments, said automation can handle merchant onboarding reviews for low-risk merchants with consistent documentation, but exception cases that deviate from established rules or involve conflicting signals still require human judgment. As automation expands, underwriters’ responsibilities will shift toward overseeing systems, reviewing exceptions, and being accountable for decisions; giving software greater approval authority will also require more reliable data, transparent decision-making, and clear governance mechanisms.