Who Decides When the Machine Says No — The Ethics of Letting Agents Make Fraud Decisions

In the newest episode of Product Mastery in the Age of AI and ChatGPT, I break down why "Who Decides When the Machine Says No" is a product problem before it is ever an ethics problem, including:

• The real job to be done in a fraud decision, and why most systems only build for a third of it
• A segmentation model based on motivation and behavior, not risk score, that surfaces the exact users your roadmap is currently underserving
• A five-step exercise you can run this week with any ChatGPT or Bard-type tool to find the gap on your own roadmap

If you build, manage, or design any system that makes decisions on someone's behalf, this one is worth listening to.