This creates a quiet paradox. Digital banking does not reduce human responsibility. It increases it. It moves responsibility from branch counters to operational control rooms. It shifts the frontline from the lobby to the dashboard. It transfers pressure from customer queues to service backlogs.The more digital banking becomes, the more human intervention is needed to keep it safe.A system outage is triaged and recovered by people across operations, technology, and risk.A payment flagged for review is exami ...