An AI system can reject a loan, flag a loyal customer as fraud, screen out a qualified job applicant, or give a customer the wrong advice in seconds. When that decision causes harm, the hardest question is also the most basic one: who owns the mistake? The short answer is that the business does. AI can assist with decisions, rank options, detect patterns, and produce recommendations. It cannot accept legal responsibility, explain itself to a regulator or apologize to a custom

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