Perspectives & Insight
Thinking at the intersection of AI, governance, and emerging technology. Written for practitioners who need clarity, not noise.
12 May 2026
The decisive moment often sits upstream of the approval button. Routing, thresholds, defaults, and interface design can narrow the human path long before anyone recognises that a consequential decision has already been made.
12 May 2026
"Human reviewed" is becoming a dangerously thin claim. When a system scores, recommends, and frames the outcome before a reviewer acts, the audit trail may prove participation without proving meaningful judgement.
21 April 2026
In a multi-agent lending stack, the final "Approve" is just the last step in dozens of micro-decisions. When responsibility is dispersed across an entire orchestration, traditional audit logs only show you the final link and not the chain.
20 April 2026
Regulators are drawing a hard line between a model's output and the decision that follows it. The ICO's new test for human oversight means clicking "Approve" because the model said so is no longer enough, legally or operationally.
17 April 2026
The FCA's new transparency mandate sounds straightforward: explain the decision. In practice, most lenders are reconstructing, not recording their AI reasoning. Under SM&CR and the EU AI Act, plausible is no longer defensible.