Important: AegisTrace provides evidence and analysis support. It does not determine compliance, violations, or liability. Demonstration visuals and data.

FinTech — Credit Decision Override

Runnable

Financial Services

Credit Decisions

HITL

Override

Financial

EU AI Act

What Happened

A credit application was initially rejected by the AI decisioning system based on automated risk scoring. A senior credit officer reviewed the case and overrode the decision, approving the application. The timeline shows the AI's initial assessment, the human review trigger, and the final override decision with supporting rationale.

What This Demonstrates

•Human-in-the-loop oversight for high-stakes financial decisions
•Explicit capture of AI recommendation vs. human final decision
•Temporal gaps between AI event and human intervention
•Evidence chain showing policy references used in override

What This Does NOT Claim

•Does not determine if the override was correct or compliant
•Does not assess credit risk or applicant suitability
•Does not evaluate fairness or bias in either decision