Matt Pearce of i2c said he expects human review of high-stakes exceptions for another three to five years.

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The last decision a bank hands to a machine will likely be one that its employees will still have to explain to a customer or regulator.

Releasing an account flagged for complex fraud activity or granting credit beyond established limits requires a financial institution to accept consequences that extend beyond the immediate decision. Automating the approval leaves the institution responsible for the outcome.

Matt Pearce, vice president of fraud risk management and dispute operations at i2c, said he expects these exceptions to preserve a role for human judgment as automated systems assume more work. Pearce oversees fraud risk management and dispute operations for processing programs serving millions of cardholders on i2c’s unified platform.

In the What’s Next in Payments interview, “The Last Thing a Human Will Need to Approve,” Pearce described artificial intelligence agents operating under restricted authority within a broader system of controls.

In the near term, “autonomous agents will execute decisions within predefined guardrails while governance policies will establish the limits of those agents’ authorities,” Pearce said.

Pearce said he expects human work to shift toward designing controls, setting policies and monitoring outcomes as individual approvals recede. Employees would supervise autonomous decisions, retaining a role in determining how the systems operate. He described that transition as an evolution from operator to supervisor, with people continuing to govern automated activity.

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