Your AI agent has just made a decision. Who owns it?
By Sudip Mazumder, Group Chief Digital Officer and Amit Singh, Swampneel Saha, Digital Product Owners, Algihaz Holding
Enterprises are moving from copilots that suggest to agents that execute. The regulatory answer to the liability question already exists — most boards have not asked it.
A large bank. A customer emails about a missed EMI. An AI agent reads the mail, pulls the loan record, checks the hardship policy, applies a fee waiver, updates the CRM and sends a confirmation. Four systems, no human. It works nine hundred times. On the nine hundred and first it misreads a co-borrower’s account and waives ₹2 lakh it had no authority to waive.
Who approved that? Nobody – and there lies the problem. Every governance artefact you own, from the delegation-of-authority matrix to maker-checker controls, assumes a human sits at the point of commitment. Agentic systems engineer that human out. What they do not...
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