I'm not sure what the boundary is for "life-affecting", if you're talking about loan origination or anything, then like you said, there's already a boatload of

I'm not sure what the boundary is for "life-affecting", if you're talking about loan origination or anything, then like you said, there's already a boatload of regulations there. For marketing optimization, FWIW, my experience is the opposite. For a big enough application, any 0.5% improvement is hugely welcome, as long as it works reliably and you're not just gaming the metrics (or, to be honest, even if you are, yay corporate).