i2c: Banks can delegate decision-making but cannot outsource responsibility
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On October 29, 2026, PYMNTS reported that i2c Vice President Matt Pearce said banks can allow autonomous agents with restricted permissions to make decisions within predefined guardrails, but responsibility to customers and regulators cannot be outsourced. The i2c platform has already automated most routine decisions, but matters such as approving complex fraud accounts, increasing credit limits beyond preset thresholds, and waiving compliance restrictions generally still require human judgment. Pearce expects that over the next 3 to 5 years, humans may still be involved in handling high-risk exceptions involving fraud, compliance, credit risk, and customer disputes.
AI-written from reports · updated 2 hours ago
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- PYMNTSi2c: Banks can delegate decisions, but cannot outsource responsibility
i2c Vice President Matt Pearce said banks can allow autonomous agents with limited permissions to make decisions within predefined guardrails, but accountability to customers and regulators cannot be outsourced. Most routine decisions on the i2c platform have already been automated, while approving complex fraud accounts, raising credit limits beyond predefined thresholds, and waiving compliance restrictions still typically require human judgment. Over the next 3 to 5 years, humans may continue to be involved in high-risk exceptions involving fraud, compliance, credit risk, and customer disputes.
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