How Much Should AI Be Allowed to Decide in Your Product? A PM's Decision Tree
Every product manager I know is under the same pressure right now: add AI. A chatbot, auto-replies, smart recommendations, auto-approvals, something. The roadmap review has a new standing question, and it is some version of "where's the AI?"
Meanwhile, the writing about AI in products has split into two camps that do not help you on a Tuesday afternoon. One camp publishes governance frameworks and ethics principles, which matter but rarely tell you whether your specific feature should ship. The other camp publishes demos, which make everything look shippable. Nobody hands you a way to decide which features can be AI-driven and which cannot.
I have spent a major chunk of my career across engineering and product in fintech: insurance, low-code automation, international lending, and global payments. In fintech, you learn quickly that the interesting question about any automated decision is not whether the system can make it. The interesting...
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