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As the Dutch state reduces its stake in ABN AMRO, commercial ambition and automated banking sharpen the question of accountability. Who ensures that efficiency remains compatible with duty of care — and that customers can obtain explanations, meaningful review and timely correction when systems fail?
ABN AMRO proudly reports that 85 percent of its employees now use artificial intelligence in their daily work. For investors, this signals efficiency and progress. For society, it raises a more difficult question: as banks become increasingly automated and opaque, who remains responsible for transparency, accountability and the human beings behind the data?
