04 · Affected people

Meet the people affected

Each customer met the model at a different moment. Read their context before you see what the model did.

FICTIONAL CASE

Customer A

Traveller paying for a hotel abroad

Paid for a hotel at 23:40 on her first night in Lisbon, on a card she normally uses for groceries.

First foreign transaction on the card in two years

Amount £186, merchant category: lodging

Told the bank about the trip in the app a week earlier

New country

Late-night payment

Unusual merchant category

Governance reviewer prompt

The travel notice existed. Why did the model not use it, and who decides which data it can see?

BEFORE YOU SEE THE AI OUTPUT

Note the context the system cannot see, and who would struggle to challenge a wrong outcome.