AI agents are making payment operations decisions. How do you prove which actions were actually authorized?
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I've been sitting on this question for a while and I want to see if it's real or if I'm missing something obvious. Here's what started it: in 2024, Air Canada was held liable for a refund their chatbot issued without authorization. The judge rejected "the AI acted on its own" as a defense. Since then, Zurich, Lloyd's, and AIG have added clauses excluding AI-caused losses from coverage unless you can document that the agent acted within authorized scope. That raises
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