Keep consequential judgement explicit
If a decision could seriously affect someone's money, rights or wellbeing, make sure a responsible person stays involved.
Do not confuse explaining with changing
An AI that can explain an account policy should not automatically be allowed to change account details. Finding information, making a change, asking for approval and passing a task to a person are different things.
Identity changes the architecture
If private customer or business information is involved, the right person must be authorised before AI shows it or changes anything.
Exceptions deserve their own path
Plan for when something unexpected happens. A useful assistant should know when to stop and ask a person for help.
Automation should earn its place
If a simpler workflow is safer, clearer or cheaper, that may be the better answer. The goal is a better business outcome, not maximum automation.