When payments systems make judgements, not transactions

For most individuals and small businesses, payments are the primary way they experience financial institutions.Institutions delegate judgement to systems because scale demands it. But delegation does not remove responsibility. It merely obscures it.This is not a failure of service. It is a structural feature of delegated decision-making.When customers ask “why”, support teams often have no answer beyond generic explanations. The judgement has already been made, but responsibility is diffuse.A decline may be ...