Companies Should Test AI Agents Like Job Candidates, Law Firm Says

As retailers and financing providers rush to automate their customer service and payment workflows, a new legal warning suggests a shift in strategy. Instead of treating AI agents as simple software, businesses should treat them like new hires. This means rigorous 'job interviews' and probation periods before letting AI handle live customer transactions or financing applications. For your business, this means the risk profile of your technology stack is changing. An AI agent that can move money or approve credit terms is no longer just a chatbot; it is a fiduciary representative of your brand. If an AI agent makes a promise to a customer regarding interest rates or payment plans that it wasn't authorized to make, your business could still be legally liable. Testing must move beyond 'does it work' to 'will it follow our compliance rules under pressure.' When implementing new financing automation, you must establish clear guardrails. Do not give AI autonomous access to your merchant accounts or credit decisioning engines without a human-in-the-loop for an initial testing phase. Document your testing process as carefully as you would an employee background check to protect your business from future regulatory scrutiny or liability claims.

Source: PYMNTS

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