My armchair guess would be that for most banks and transfers, the happy path involved no manual human interaction but that there are various arbitrary situation

My armchair guess would be that for most banks and transfers, the happy path involved no manual human interaction but that there are various arbitrary situation where a human gets looped in. One of my banks seems super paranoid and have contacted me asking for supporting documents for each and every incoming international transfer >~800 USD (despite most of them being from the same account, held in my name).