Regulators Are Already Asking Who Reviewed the Model
- Several large financial institutions deployed AI-assisted credit decisioning tools between 2022 and 2024. When EU and UK regulators requested decision audit trails under AI governance frameworks, many could not demonstrate that a human had meaningfully reviewed the model's output before a decision was executed. The AI performed as specified. The collaboration model had not been designed.
- In practice, human teams are deferring to AI outputs they did not fully evaluate. AI systems are running in decision loops without clear human intervention points. Customer-facing processes are producing errors that take longer to catch because no collaboration model was designed to catch them.
- The absence of an explicit protocol is itself a decision: it is a decision to let the collaboration pattern emerge informally, which means inconsistently, which means the accountability is unclear when something goes wrong.
"Augmentation" Is the Absence of a Collaboration Design
The dominant model for AI adoption — augmentation, where AI handles repetitive processing and humans handle judgment — is too simple. In practice, it produces human teams deferring to AI outputs, audit trails that cannot attribute decisions cleanly, and teams uncertain whether they are supposed to challenge the AI's output or accept it. "Augmentation" is not a collaboration design. It is the absence of one.
Design a Collaboration Protocol for Your Highest-Volume Decisions
What each function actually needs is a collaboration protocol: a deliberate design for when AI recommends and a human decides, when AI acts within a defined policy boundary and a human audits, and when a human must own the decision regardless of model output. Define that protocol for your three highest-volume AI-assisted decision types this quarter — not your highest-risk decisions, your highest-volume ones. That is where governance gaps produce the most accumulated exposure and where a well-designed protocol produces the most immediate operational benefit.
