Since making a decision in itself is subjective, does it matter if ai makes a decision ? Two bankers may have two conclusions on the same data, or may have two different risk tolerances or strategies.

As for audibility, all of the data is kept and archived. Ai is not deleting the data that is captured. I’m certain you could use an llm to generate convincing arguments either way based on an application.

For rejections they should be manually reviewed in most cases to cover your liability.