The ability to program approval rules and understand why decisions have been made (and then tweak the ruleset based on economic/statistical analysis) is a featu

The ability to program approval rules and understand why decisions have been made (and then tweak the ruleset based on economic/statistical analysis) is a feature for these sort of organizations, not a limitation. There will be elements of AI which are useful, but ultimately banks will want to know why a certain decision was made, and want to incorporate their own economic calculations and forecasts into the model.