[{"data":1,"prerenderedAt":650},["ShallowReactive",2],{"uc-self-checkout-and-exit-loss-prevention":3,"uc-regulations":426},{"useCase":4,"evidence":190,"blitsAiDeployments":307,"benchmarks":308,"indicative":315,"related":318,"indexability":424,"includeUnpublished":196},{"title":5,"shortTitle":6,"seoTitle":7,"metaDescription":8,"status":9,"definition":10,"aliases":11,"industries":17,"functions":19,"patterns":22,"channels":25,"audience":28,"autonomy":29,"adoptionStage":30,"segment":31,"problem":32,"problemStats":33,"howItWorks":41,"valueDrivers":42,"kpis":46,"indicativeValue":51,"macroEstimates":86,"feasibility":87,"implementation":99,"risk":140,"blitsAi":170,"faq":172,"related":182,"datePublished":185,"dateModified":185,"lastVerified":185,"changelog":186,"slug":189},"AI loss prevention at self checkout and store exit","Self checkout loss prevention","AI loss prevention at self checkout","Computer vision flags unscanned items at self checkout. Kroger reports customers fix over 75% of scan errors themselves; Morrisons is rolling out to 200 stores.","published","AI loss prevention at self checkout uses cameras and computer vision to spot items that were not scanned and to prompt the shopper to fix them. Some retailers also check the cart against the receipt at the exit, leaving final checks to staff.",[12,13,14,15,16],"self checkout shrink prevention","AI missed scan detection","self checkout computer vision","exit receipt verification","non scan detection",[18],"retail-and-ecommerce",[20,21],"fraud-prevention","operations",[23,24],"computer-vision","anomaly-detection",[26,27],"kiosk","internal-tools","customer-facing","supervised-agent","early-adopters","store-operations","Self checkout moves the scanning from a cashier to the shopper, and items go unscanned, by\nmistake or on purpose. The Grocer reports that in June 2026 the largest study of self checkout\nloss to date by ECR Retail Loss, covering millions of transactions across 39 retailers, found\nlosses 33% higher in stores with self checkouts than in stores without.\n\nThe usual defenses have a cost of their own. An attendant at every lane gives back the staff\nsavings and a receipt check at the exit slows every shopper. An accusatory alert on a shopper who\nmade an honest mistake loses goodwill. Retailers want to catch the item without treating the\ncustomer as a thief.",[34,39],{"statement":35,"sourceTitle":36,"sourceUrl":37,"year":38},"The Grocer reports that a 2026 study by ECR Retail Loss, based on millions of transactions across 39 retailers, found losses 33% higher in stores with self checkouts than in stores without.","Morrisons adds self-checkout AI tech to detect mis-scans","https:\u002F\u002Fwww.thegrocer.co.uk\u002Fnews\u002Fmorrisons-rolling-out-self-checkout-ai-tech-to-detect-mis-scans\u002F722169.article",2026,{"statement":40,"sourceTitle":36,"sourceUrl":37,"year":38},"The Grocer reports that the same ECR Retail Loss study found customers self correct in more than 80% of cases once an on screen prompt asks them to check or rescan items.","1. **Watch the lane.** A camera above the self checkout, sometimes with a second camera facing the\n   shopper, records the items placed on the scanner and in the bagging area. Computer vision\n   identifies the items the shopper handles.\n2. **Compare with the scan.** The system compares what it sees with the point of sale\n   data to find items that were not scanned, scanned as something else, or keyed in wrongly on the\n   touchscreen.\n3. **Nudge the shopper.** On a mismatch the screen shows a message, in Tesco's trial a replay of\n   the video, and asks the shopper to rescan. Most shoppers fix the error themselves.\n4. **Escalate when the nudge fails.** After a second failed scan it alerts a store associate on a mobile device to check the lane.\n5. **Verify at the exit.** At Sam's Club, cameras under an exit archway identify the items in\n   each cart, a model matches the cart to a receipt and the result goes to an exit associate in\n   real time, replacing the manual receipt check.",[43,44,45],"risk-reduction","cost-to-serve","customer-experience",[47,48,49,50],"automation-rate","processing-time-reduction","error-reduction","fraud-losses-prevented",{"referenceOrg":52,"inputs":53,"formula":81,"currency":82,"period":83,"resultLabel":84,"caveat":85},"A grocery chain with 200 stores and self checkouts",[54,60,67,74],{"key":55,"label":56,"low":57,"high":58,"unit":55,"note":59},"stores","Stores with self checkouts",150,250,"Illustrative size, similar to the 200 stores in Morrisons' initial rollout referenced on this page.",{"key":61,"label":62,"low":63,"high":64,"unit":65,"note":66},"selfCheckoutSales","Sales through self checkouts per store per year",3000000,8000000,"USD per store per year","Editorial assumption, replace with your own self checkout sales per store.",{"key":68,"label":69,"low":70,"high":71,"unit":72,"note":73},"lossRate","Value lost at self checkout as a share of self checkout sales",0.005,0.02,"fraction of sales","Editorial assumption, replace with your own measured loss. The ECR Retail Loss study reported by The Grocer found losses 33% higher in stores with self checkouts, which does not give an absolute rate.",{"key":75,"label":76,"low":77,"high":78,"unit":79,"note":80},"lossRecovered","Share of that loss recovered by prompts and checks",0.05,0.25,"fraction of loss","Editorial assumption. Kroger reports that customers resolve over 75% of scanning errors themselves and The Grocer reports more than 80% self correction after a prompt in the ECR Retail Loss study, but neither is a share of total loss, which includes theft the system does not see.","stores * selfCheckoutSales * lossRate * lossRecovered","USD","per year","Annual self checkout loss recovered","Counts only recovered product value. It leaves out the cost of cameras, edge servers and licenses, the staff time saved on lane interventions and receipt checks, the effect of shopper annoyance on sales, and the share of loss that is deliberate theft the prompts do not stop.",[],{"complexity":88,"complexityNote":89,"dataPrerequisites":90,"integrations":94},"medium","The build needs cameras at each lane and edge computing to process the video, as Kroger did with Lenovo edge servers, plus a live feed of point of sale scan data to compare against. Item recognition has to be trained on the retailer's own assortment before go live, and the store's operations and legal teams need to agree how staff are alerted and what is retained.",[91,92,93],"Real time scan events from the point of sale or self checkout system, matched to lane and time","Product images and assortment data, including produce and items without barcodes","A baseline of unknown loss and manual intervention counts per store before launch",[95,96,97,98],"Self checkout and point of sale software, for scan events and screen prompts","Camera hardware and edge servers at the lane","Staff mobile devices, for escalation alerts to associates","Store loss prevention or incident systems, for review and reporting",{"steps":100,"guardrails":116,"humanInTheLoop":121,"kpisToInstrument":122,"failureModes":127},[101,104,107,110,113],{"title":102,"detail":103},"Trial in a few stores with a baseline","Measure unknown loss, interventions per lane and shopper satisfaction before launch, and compare trial stores with matched stores. Morrisons ran a trial before committing to 200 stores.",{"title":105,"detail":106},"Prompt first, escalate second","Show a prompt and let the shopper correct the item before involving an associate. Kroger reports that customers resolve over 75% of scanning errors themselves.",{"title":108,"detail":109},"Tune the wording and the replay","Test the screen message with real shoppers. Tesco's video replay drew mockery and privacy concerns, so decide whether a replay, a still image or a plain message fits your customers.",{"title":111,"detail":112},"Decide what staff do with an alert","Write the rule for who responds, in how long and what they say, so an alert leads to a helpful check and not an accusation.",{"title":114,"detail":115},"Extend to the exit or other lanes after the first results","Add exit verification or staffed lanes once the self checkout results are measured, so each step is judged on its own numbers. For scale, Sam's Club announced its exit technology at CES 2024 and reported it live at more than 120 clubs by April 2024.",[117,118,119,120],"The system compares items with scans and does not identify or profile shoppers, with no facial recognition","An alert is a request to check, never an accusation, and staff are trained in the wording","Video is kept only as long as needed for the check and any dispute, with a stated retention period","Signage tells shoppers that cameras are used at the checkout and why","The system prompts the shopper directly on the lane screen, and after that a store associate makes every decision that involves the shopper: a person checks the lane and talks to the customer. At Sam's Club an exit associate receives the cart and receipt comparison and verifies it. Loss prevention staff review flagged patterns, and no automated action blocks or penalizes a shopper.",[123,124,125,126],"Share of detected scan errors the shopper corrects without an associate","Associate interventions per lane per hour, before and after","Unknown loss as a share of self checkout sales, trial against matched stores","Shopper satisfaction and abandoned transactions at self checkouts with the system",[128,131,134,137],{"title":129,"detail":130},"Alerts that feel like accusations","A flagged honest mistake damages goodwill, and reports of shoppers mocking Tesco's replay show the risk. Test wording, keep alerts private to the lane and track complaints.",{"title":132,"detail":133},"Misidentified items","Produce in bags, similar packages and new products confuse recognition and create false alerts. Retrain on new assortment, measure false alert rate by category and fix the worst first.",{"title":135,"detail":136},"Savings measured on a self selected trial","Trial stores differ from the rest. Use matched control stores and measure over a full season before projecting a chain wide result.",{"title":138,"detail":139},"Privacy concerns about cameras","Cameras pointed at shoppers raise data protection questions. Check items and not people, keep video short term and explain it on signage and in the privacy notice.",{"euAiAct":141,"regulations":144,"guidance":148,"controls":160,"incidents":165},{"tier":142,"basis":143},"context-dependent","A system that compares the items a shopper handles with the items scanned does not appear in Annex III and carries minimal risk, though the retailer owes AI literacy under Article 4. The tier changes with the design: for a retailer, facial recognition or other biometric identification of shoppers, or inferring their emotions, falls under Annex III point 1 and is high risk, with Article 50(3) transparency duties for emotion recognition. Inferring emotions of store staff would fall under the Article 5(1)(f) prohibition. A design that identifies or profiles people needs a separate legal assessment.",[145,146,147],"eu-ai-act","gdpr","uk-gdpr",[149,155],{"title":150,"issuer":151,"region":152,"url":153,"note":154},"Guidelines 3\u002F2019 on processing of personal data through video devices","European Data Protection Board","europe","https:\u002F\u002Fwww.edpb.europa.eu\u002Four-work-tools\u002Four-documents\u002Fguidelines\u002Fguidelines-32019-processing-personal-data-through-video_en","Covers the lawful basis, transparency, retention and data subject rights for cameras in shops, which apply to checkout video.",{"title":156,"issuer":157,"region":152,"url":158,"note":159},"Regulation (EU) 2024\u002F1689 (EU AI Act), Articles 4 and 5 and Annex III","European Union","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2024\u002F1689\u002Foj","Annex III point 1 covers biometric identification and emotion recognition and Article 5 prohibits emotion inference at work, which a checkout system based on items and scans avoids by design.",[161,162,163,164],"A data protection impact assessment for camera use at checkouts, covering retention, access and signage","Written rules for how staff respond to an alert, with training and complaint tracking","Regular accuracy checks of item recognition by category, including produce and promotions","Matched control stores for measuring loss and shopper satisfaction",[166],{"title":167,"url":168,"note":169},"OECD.AI incident entry: Tesco AI 'VAR' cameras at self checkouts","https:\u002F\u002Foecd.ai\u002Fen\u002Fincidents\u002F2025-05-24-db97","Shoppers mocked the replay as a video assistant referee, some raised privacy concerns and a few refused to use the checkouts, as summarized by OECD.AI from press reports.",{"howToBuild":171},"Blits.ai does not run the cameras or the vision models at the checkout; that stays with the\nretailer's checkout vendor or an in house computer vision team. What Blits.ai adds is the\noperations layer around the alerts. An **agentic workflow**, triggered through an **API token**,\nreceives the flagged events, groups them by store and lane, and routes a review task to a loss\nprevention analyst with **human in the loop confirmation** before any follow up action.\n**Custom functions** pull the matching scan and receipt record from the point of sale system.\n\nA **knowledge base** holds the store's alert response procedure and signage wording, so an\n**AI agent** in **Microsoft Teams** can answer an associate's question about what to say to a\nshopper. The workflow's **run history** and **downloadable run data** give the loss prevention\nteam a record of every flagged event and what was done about it, and **guardrails** keep\ngenerated summaries free of accusations about named people. Because the platform is **model agnostic**, the retailer can run the summaries on the\nmodel it already approves, with **EU and UAE data residency** for the logs.",[173,176,179],{"question":174,"answer":175},"Does this replace the self checkout attendant?","Not in the evidence on this page. Morrisons says its system gently prompts the shopper and alerts staff after a second failed scan, and Sam's Club still has an exit associate verify the cart. The aim is fewer routine interventions, so staff handle the cases that need a person.",{"question":177,"answer":178},"What results have retailers reported?","Kroger's senior manager of asset protection said customers resolve over 75% of scanning errors themselves, in a Lenovo case study. Sam's Club says members leave the club 23% faster with its exit technology. Morrisons and Tesco have not disclosed trial results. None of the figures is a measured reduction in shrink, and all come from the retailers or their vendors.",{"question":180,"answer":181},"Is it legal to point cameras at shoppers at the checkout?","In the EU and UK, cameras that record shoppers are subject to data protection law, which requires a lawful basis, transparency, limited retention and a data protection impact assessment where the risk is high. The systems on this page are described as comparing items with scans and not as identifying shoppers, which is the design to keep, but the cameras, the signage and the retention period still need a legal review.",[183,184],"physical-security-video-analytics","store-and-shelf-monitoring","2026-10-14",[187],{"date":185,"note":188},"First published","self-checkout-and-exit-loss-prevention",[191,223,249,271],{"title":192,"useCases":193,"organization":194,"vendors":200,"summary":204,"stage":205,"year":206,"channels":207,"languages":208,"metrics":210,"outcomeDisclosed":211,"sources":212,"verification":218,"grade":220,"id":221,"organizationSlug":222},"Sam's Club: computer vision exit technology replaces manual receipt checks",[189],{"name":195,"anonymized":196,"country":197,"region":198,"industry":18,"wikidata":199},"Sam's Club",false,"US","north-america","Q1972120",[201],{"name":202,"role":203},"Walmart","in-house","Sam's Club announced at CES 2024 a computer vision system at the club exit that replaces manual receipt checks. Cameras capture images of each cart as it passes through an exit archway, models identify the items, an algorithm matches the cart to an outstanding receipt, and the system sends the comparison of cart and receipt to an exit associate in real time. Sam's Club says the technology was live at more than 120 clubs by 30 April 2024 and that members leave the club 23% faster. The exit associate still verifies carts, and the system flags new items for labeling so the models keep learning.","production",2024,[27],[209],"en",[],true,[213],{"url":214,"title":215,"publisher":216,"date":217},"https:\u002F\u002Ftech.walmart.com\u002Fcontent\u002Fwalmart-global-tech\u002Fen_us\u002Fblog\u002Fpost\u002Fsams-club-ai-exit-technology.html","Big buys, small lines: How Sam’s Club’s AI-powered technology simplifies our members’ exit experience","Walmart Global Tech","2024-04-30",{"level":219,"checkedAt":185},"source-verified","B","sams-club-ai-exit-technology",null,{"title":224,"useCases":225,"organization":226,"vendors":230,"summary":234,"stage":235,"year":38,"channels":236,"languages":237,"metrics":238,"outcomeDisclosed":196,"sources":239,"verification":246,"grade":247,"id":248,"organizationSlug":222},"Morrisons: Everseen Evercheck at self checkouts in 200 stores",[189],{"name":227,"anonymized":196,"country":228,"region":152,"industry":18,"wikidata":229},"Morrisons","GB","Q922344",[231],{"name":232,"role":233},"Everseen","platform","In August 2026 Morrisons announced a long term partnership with Everseen to roll out its Evercheck computer vision platform at self checkouts in 200 stores, after a successful trial. An overhead camera identifies when a shopper fails to scan an item or enters a product wrongly on the touchscreen, plays back a video of the error on screen and asks the shopper to try again, and a second failed scan alerts store staff. Morrisons and Everseen describe the aim as a fast checkout that frees colleagues for service. Neither discloses trial results.","announced",[26],[209],[],[240,243],{"url":37,"title":36,"publisher":241,"date":242},"The Grocer","2026-08-06",{"url":244,"title":245,"publisher":232},"https:\u002F\u002Feverseen.com\u002Fblog\u002Fmorrisons-partners-with-everseen-to-improve-customer-experience-at-self-checkout","Morrisons partners with Everseen to improve customer experience at self-checkout",{"level":219,"checkedAt":185},"C","morrisons-everseen-evercheck",{"title":250,"useCases":251,"organization":252,"vendors":254,"summary":255,"stage":256,"year":257,"channels":258,"languages":259,"metrics":260,"outcomeDisclosed":196,"sources":261,"verification":269,"grade":247,"id":270,"organizationSlug":222},"Tesco: self checkout camera replay trial",[189],{"name":253,"anonymized":196,"country":228,"region":152,"industry":18},"Tesco",[],"In 2025 Tesco trialed cameras at self service checkouts that look at the shopper and down on the checkout from above and play back video of an unscanned item with the message that the last item was not scanned properly. Tesco said the system made checkout quicker and easier but did not say how many stores had it. The sources do not name who built the system. Shoppers mocked the replay as a video assistant referee and some raised privacy concerns.","pilot",2025,[26],[209],[],[262,266],{"url":263,"title":264,"publisher":241,"date":265},"https:\u002F\u002Fwww.thegrocer.co.uk\u002Fnews\u002Ftescos-self-checkout-var-trial-mocked-by-shoppers\u002F705046.article","Tesco’s self-checkout ‘VAR’ trial mocked by shoppers","2025-05-29",{"url":168,"title":267,"publisher":268},"Tesco rolls out AI-powered 'VAR' cameras at self-checkouts to curb theft","OECD.AI",{"level":219,"checkedAt":185},"tesco-self-checkout-replay-trial",{"title":272,"useCases":273,"organization":274,"vendors":277,"summary":282,"stage":283,"year":284,"channels":285,"languages":286,"metrics":287,"outcomeDisclosed":211,"sources":297,"verification":305,"grade":247,"id":306,"organizationSlug":222},"Kroger: Everseen visual AI at self checkout",[189],{"name":275,"anonymized":196,"country":197,"region":198,"industry":18,"wikidata":276},"Kroger","Q153417",[278,279],{"name":232,"role":233},{"name":280,"role":281},"Lenovo","integrator","Kroger signed with the Irish company Everseen in 2020 to put computer vision cameras on its self checkouts, with the aim of catching items that pass without being scanned. According to a Lenovo case study, which supplied the edge servers, the system analyzes checkout video together with point of sale data, flags a missed scan on screen so the customer can correct it, and alerts a store associate on a mobile device if the customer cannot. After a pilot, Kroger had deployed it at 1,700 grocery stores with plans for all locations. Kroger's senior manager of asset protection said that customers resolve scanning errors themselves more than 75% of the time.","scaled",2020,[26,27],[209],[288],{"kpi":47,"value":289,"unit":290,"qualifier":291,"period":292,"baseline":293,"claimant":294,"quote":295,"sourceUrl":296},75,"percent","at-least","share of scanning errors, at the time of the case study","scanning errors that otherwise need an associate","organization","In fact, over 75% of the time, customers are able to resolve scanning errors themselves, with no intervention from our associates, which makes their job a little easier.","https:\u002F\u002Fnews.lenovo.com\u002F?p=21277",[298,302],{"url":299,"title":300,"publisher":301},"https:\u002F\u002Fwww.grocerydive.com\u002Fnews\u002Fkroger-steps-up-ai-deployment-to-combat-checkout-losses\u002F585648\u002F","Kroger steps up AI deployment to combat checkout losses","Grocery Dive",{"url":296,"title":303,"publisher":304},"Shaping Kroger’s Self-Checkout of Tomorrow with AI and Edge Computing","Lenovo StoryHub",{"level":219,"checkedAt":185},"kroger-everseen-self-checkout-visual-ai",0,[309],{"kpi":47,"label":310,"unit":290,"aggregate":211,"higherIsBetter":211,"n":311,"nUpTo":307,"median":289,"min":289,"max":289,"byClaimant":312,"vendorOnly":196,"points":313},"Automation rate",1,{"organization":311,"vendor":307,"regulator":307,"independent":307},[314],{"evidenceId":306,"organization":275,"value":289,"qualifier":291,"claimant":294,"grade":247,"pooled":211},{"low":316,"high":317},112500,10000000,[319,355,380,408],{"slug":183,"title":320,"shortTitle":321,"definition":322,"status":9,"industries":323,"functions":326,"patterns":328,"audience":330,"autonomy":331,"adoptionStage":30,"evidenceCount":332,"publicEvidenceCount":332,"organizations":333,"bestGrade":220,"headline":347,"lastVerified":354,"indexable":211},"AI video analytics and screening for physical security","Physical security video analytics","Physical security video analytics is AI that watches camera feeds or walk through sensors at a site and flags a likely weapon, intrusion or theft. It works in real time or on search, and leaves the verification and every response action to a human guard or investigator, rather than acting on its own.",[18,324,325],"education","cross-industry",[327],"security-operations",[23,24,329],"classification-and-routing","employee-facing","assist",13,[334,335,336,337,338,339,340,341,342,343,344,345,346],"Tepper Sports & Entertainment","Charlotte-Mecklenburg Schools","Chelsea School District","East Baton Rouge Parish Schools","El Centro Regional Medical Center","Ministry of the Interior (France)","GAIL's Bakery","Gwinnett County Public Schools","Harry Rosen","Kogan","Old Cannery Furniture Warehouse","Riyadh Municipality","Utica City School District",{"kpi":348,"label":349,"unit":290,"n":350,"nUpTo":307,"kind":351,"value":352,"qualifier":291,"claimant":353,"organization":343,"vendorReported":211},"search-time-reduction","Search time reduction",2,"reported",90,"vendor","2026-09-29",{"slug":184,"title":356,"shortTitle":357,"definition":358,"status":9,"industries":359,"functions":361,"patterns":363,"audience":364,"autonomy":331,"adoptionStage":30,"segment":31,"evidenceCount":365,"publicEvidenceCount":365,"organizations":366,"bestGrade":220,"headline":375,"lastVerified":354,"indexable":211},"AI computer vision for store shelf and stock monitoring","Store and shelf monitoring","Store and shelf monitoring is computer vision, on cameras, shelf edge sensors or autonomous robots, that scans store shelves for gaps, misplaced items and wrong prices. It turns what it sees into a prioritized task list for store staff or field sales representatives, so out of stock and shelf compliance problems are caught within hours instead of at the next manual walk.",[18,360],"manufacturing",[21,362],"sales",[23,24],"back-office",8,[367,368,369,370,371,372,373,374],"BJ's Wholesale Club","B&R Stores","GoGo SqueeZ","Henkel","Schnuck Markets","SPAR Austria","Wakefern Food Corp.","Walmart de México y Centroamérica",{"kpi":376,"label":377,"unit":290,"n":350,"nUpTo":307,"kind":351,"value":378,"qualifier":379,"claimant":353,"organization":369,"vendorReported":211},"revenue-uplift","Revenue uplift",7,"exact",{"slug":381,"title":382,"shortTitle":383,"definition":384,"status":9,"industries":385,"functions":388,"patterns":390,"audience":364,"autonomy":29,"adoptionStage":30,"segment":364,"evidenceCount":394,"publicEvidenceCount":395,"organizations":396,"bestGrade":220,"headline":222,"lastVerified":407,"indexable":211},"chargeback-and-representment","AI for chargeback and representment operations","Chargeback and representment","AI chargeback and representment is AI that runs the dispute engine room for issuers, acquirers and merchants, mapping each dispute to the network reason code. It gathers the matching evidence, assembles a network compliant chargeback or representment package, drafts the rebuttal, tracks every deadline and processes pre dispute alerts so a refund can be issued before a chargeback lands.",[386,387,18],"payments","banking",[21,20,389],"customer-service",[391,392,393,329],"agentic-workflow","document-processing","content-generation",11,10,[397,398,399,400,401,402,403,404,405,406],"Fanatics","GitHub","HexClad","N26","Obvi","Smallpdf","The Beard Club","Visa","Wordtune (AI21 Labs)","Yves Rocher","2026-09-27",{"slug":409,"title":410,"shortTitle":411,"definition":412,"status":9,"industries":413,"functions":414,"patterns":415,"audience":28,"autonomy":29,"adoptionStage":30,"segment":418,"evidenceCount":419,"publicEvidenceCount":420,"organizations":421,"bestGrade":220,"headline":222,"lastVerified":407,"indexable":211},"card-dispute-and-chargeback-intake","AI agent for card dispute intake","Card dispute intake","Card dispute intake is a customer facing AI agent that finds a disputed card transaction and separates suspected fraud from merchant disputes and simple confusion. It explains the customer's rights and timelines, collects the details and evidence the rules require, and opens a correctly classified dispute case for the operations team.",[387,386],[389,20,21],[416,417,329,392,391],"conversational-agent","voice-agent","front-office",4,3,[422,423,404],"Commonwealth Bank of Australia","Klarna",{"indexable":211,"reasons":425},[],[427,431,436,444,451,457,463,470,478,485,491,497,503,510,517,523,529,535,541,547,552,557,563,570,576,581,586,591,597,602,610,617,622,628,634,639,644],{"id":145,"label":428,"issuer":157,"region":152,"url":158,"description":429,"useCases":430,"indexable":211},"EU AI Act","Regulation (EU) 2024\u002F1689: risk based rules for AI systems, with obligations for high risk systems listed in Annex III and transparency duties under Article 50.",295,{"id":146,"label":432,"issuer":157,"region":152,"url":433,"description":434,"useCases":435,"indexable":211},"GDPR","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2016\u002F679\u002Foj","General Data Protection Regulation, including Article 22 on decisions based solely on automated processing.",265,{"id":437,"label":438,"issuer":439,"region":440,"url":441,"description":442,"useCases":443,"indexable":211},"iso-42001","ISO\u002FIEC 42001","ISO and IEC","global","https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F81230.html","The international management system standard for AI.",148,{"id":445,"label":446,"issuer":447,"region":198,"url":448,"description":449,"useCases":450,"indexable":211},"nist-ai-rmf","NIST AI Risk Management Framework","NIST","https:\u002F\u002Fwww.nist.gov\u002Fitl\u002Fai-risk-management-framework","Voluntary US framework to map, measure, manage and govern AI risk, with a generative AI profile.",115,{"id":147,"label":452,"issuer":453,"region":152,"url":454,"description":455,"useCases":456,"indexable":211},"UK GDPR","Information Commissioner's Office","https:\u002F\u002Fico.org.uk\u002Ffor-organisations\u002Fuk-gdpr-guidance-and-resources\u002F","The UK's version of the GDPR, including rules on solely automated decisions.",84,{"id":458,"label":459,"issuer":157,"region":152,"url":460,"description":461,"useCases":462,"indexable":211},"dora","DORA","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2022\u002F2554\u002Foj","Digital Operational Resilience Act for financial entities: ICT risk, incident reporting and third party risk, including AI providers.",73,{"id":464,"label":465,"issuer":466,"region":152,"url":467,"description":468,"useCases":469,"indexable":211},"uk-consumer-duty","FCA Consumer Duty","Financial Conduct Authority","https:\u002F\u002Fwww.fca.org.uk\u002Ffirms\u002Fconsumer-duty","UK rules that require firms to deliver good outcomes for retail customers, including through automated channels.",53,{"id":471,"label":472,"issuer":473,"region":474,"url":475,"description":476,"useCases":477,"indexable":211},"mas-ai-risk-management","MAS AI risk management guidelines","Monetary Authority of Singapore","asia-pacific","https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2025\u002Fmas-guidelines-for-artificial-intelligence-risk-management","Singapore's supervisory expectations for AI risk management at financial institutions, building on the FEAT principles.",37,{"id":479,"label":480,"issuer":481,"region":474,"url":482,"description":483,"useCases":484,"indexable":211},"apra-cps-230","APRA CPS 230","Australian Prudential Regulation Authority","https:\u002F\u002Fwww.apra.gov.au\u002Foperational-risk-management","Australian operational risk standard covering critical operations and material service providers.",26,{"id":486,"label":487,"issuer":157,"region":152,"url":488,"description":489,"useCases":490,"indexable":211},"nis2","NIS2 Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2022\u002F2555\u002Foj","Directive (EU) 2022\u002F2555 on cybersecurity for essential and important entities, including telecom networks, energy and public administration.",23,{"id":492,"label":493,"issuer":494,"region":440,"url":495,"description":496,"useCases":490,"indexable":211},"pci-dss","PCI DSS","PCI Security Standards Council","https:\u002F\u002Fwww.pcisecuritystandards.org\u002F","Security standard for any system that stores, processes or transmits cardholder data.",{"id":498,"label":499,"issuer":500,"region":198,"url":501,"description":502,"useCases":490,"indexable":211},"us-sr-11-7","SR 11-7 model risk management","Federal Reserve and OCC","https:\u002F\u002Fwww.federalreserve.gov\u002Fboarddocs\u002Fsrletters\u002F2011\u002Fsr1107.htm","US supervisory guidance on model risk management, applied by banks to AI and machine learning models.",{"id":504,"label":505,"issuer":506,"region":198,"url":507,"description":508,"useCases":509,"indexable":211},"hipaa","HIPAA","US Department of Health and Human Services","https:\u002F\u002Fwww.hhs.gov\u002Fhipaa\u002Findex.html","US rules for the privacy and security of protected health information.",20,{"id":511,"label":512,"issuer":513,"region":152,"url":514,"description":515,"useCases":516,"indexable":211},"uk-atrs","UK Algorithmic Transparency Recording Standard","UK Government","https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fcollections\u002Falgorithmic-transparency-recording-standard-hub","Mandatory transparency records for algorithmic tools used by UK central government.",18,{"id":518,"label":519,"issuer":157,"region":152,"url":520,"description":521,"useCases":522,"indexable":211},"eu-accessibility-act","European Accessibility Act","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2019\u002F882\u002Foj","Directive (EU) 2019\u002F882: accessibility requirements for banking services, ecommerce and other digital services, applicable since June 2025.",15,{"id":524,"label":525,"issuer":526,"region":440,"url":527,"description":528,"useCases":522,"indexable":211},"fatf-recommendations","FATF Recommendations","Financial Action Task Force","https:\u002F\u002Fwww.fatf-gafi.org\u002Fen\u002Fpublications\u002FFatfrecommendations\u002FFatf-recommendations.html","Global standards for anti money laundering and counter terrorist financing that national rules implement.",{"id":530,"label":531,"issuer":532,"region":198,"url":533,"description":534,"useCases":522,"indexable":211},"us-tcpa","Telephone Consumer Protection Act","Federal Communications Commission","https:\u002F\u002Fwww.fcc.gov\u002Fconsumers\u002Fguides\u002Fstop-unwanted-robocalls-and-texts","US consent rules for automated and prerecorded calls and texts; the FCC has confirmed AI generated voices count as artificial voices.",{"id":536,"label":537,"issuer":157,"region":152,"url":538,"description":539,"useCases":540,"indexable":211},"eu-amlr","EU Anti Money Laundering Regulation","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2024\u002F1624\u002Foj","Regulation (EU) 2024\u002F1624: the single EU rulebook for customer due diligence, beneficial ownership and suspicious transaction reporting.",14,{"id":542,"label":543,"issuer":544,"region":198,"url":545,"description":546,"useCases":332,"indexable":211},"us-bsa","Bank Secrecy Act","FinCEN","https:\u002F\u002Fwww.fincen.gov\u002Fresources\u002Fstatutes-and-regulations\u002Fbank-secrecy-act","US anti money laundering law: customer due diligence, suspicious activity reports and record keeping.",{"id":548,"label":549,"issuer":157,"region":152,"url":550,"description":551,"useCases":332,"indexable":211},"eu-psd2","PSD2","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2015\u002F2366\u002Foj","Payment Services Directive 2: strong customer authentication, transaction risk analysis exemptions and open banking access.",{"id":553,"label":554,"issuer":157,"region":152,"url":555,"description":556,"useCases":332,"indexable":211},"solvency-ii","Solvency II","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2009\u002F138\u002Foj","Directive 2009\u002F138\u002FEC: risk based capital, governance and model requirements for insurers.",{"id":558,"label":559,"issuer":560,"region":440,"url":561,"description":562,"useCases":332,"indexable":211},"telecom-consumer-rules","Telecom consumer protection rules","National telecom regulators","https:\u002F\u002Fwww.berec.europa.eu\u002F","National rules on telecom contracts, switching, billing disputes and marketing consent.",{"id":564,"label":565,"issuer":566,"region":198,"url":567,"description":568,"useCases":569,"indexable":211},"us-ecoa-reg-b","ECOA and Regulation B","Consumer Financial Protection Bureau","https:\u002F\u002Fwww.consumerfinance.gov\u002Frules-policy\u002Fregulations\u002F1002\u002F9\u002F","US fair lending rules, including specific reasons in adverse action notices, which also apply when credit decisions use AI models.",12,{"id":571,"label":572,"issuer":573,"region":152,"url":574,"description":575,"useCases":394,"indexable":211},"eba-loan-origination","EBA Guidelines on loan origination and monitoring","European Banking Authority","https:\u002F\u002Fwww.eba.europa.eu\u002Fregulation-and-policy\u002Fcredit-risk\u002Fguidelines-on-loan-origination-and-monitoring","Expectations for credit decisioning, including the use of automated models.",{"id":577,"label":578,"issuer":157,"region":152,"url":579,"description":580,"useCases":394,"indexable":211},"eecc","European Electronic Communications Code","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2018\u002F1972\u002Foj","Directive (EU) 2018\u002F1972: consumer protection, contract, switching and security rules for telecom operators.",{"id":582,"label":583,"issuer":157,"region":152,"url":584,"description":585,"useCases":394,"indexable":211},"mifid-ii","MiFID II","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2014\u002F65\u002Foj","Directive 2014\u002F65\u002FEU on markets in financial instruments: suitability and appropriateness of advice, record keeping and product governance.",{"id":587,"label":588,"issuer":473,"region":474,"url":589,"description":590,"useCases":395,"indexable":211},"mas-notice-626","MAS Notice 626","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fnotices\u002Fnotice-626","Singapore's anti money laundering and counter terrorism financing requirements for banks.",{"id":592,"label":593,"issuer":594,"region":198,"url":595,"description":596,"useCases":365,"indexable":211},"us-fcra","Fair Credit Reporting Act","Federal Trade Commission","https:\u002F\u002Fwww.ftc.gov\u002Flegal-library\u002Fbrowse\u002Fstatutes\u002Ffair-credit-reporting-act","US rules on consumer reports, their accuracy and permissible use, relevant to credit scoring and screening.",{"id":598,"label":599,"issuer":157,"region":152,"url":600,"description":601,"useCases":365,"indexable":211},"eu-idd","Insurance Distribution Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2016\u002F97\u002Foj","Directive (EU) 2016\u002F97: conduct rules for selling insurance, including demands and needs testing and advice.",{"id":603,"label":604,"issuer":605,"region":606,"url":607,"description":608,"useCases":609,"indexable":211},"cbuae-ai-guidance","CBUAE guidance on AI and ML","Central Bank of the UAE","middle-east","https:\u002F\u002Fwww.centralbank.ae\u002F","UAE central bank expectations for the enabling technologies, AI and machine learning used by licensed financial institutions.",6,{"id":611,"label":612,"issuer":613,"region":152,"url":614,"description":615,"useCases":616,"indexable":211},"uk-psr-app-reimbursement","UK APP scam reimbursement rules","Payment Systems Regulator","https:\u002F\u002Fwww.psr.org.uk\u002Four-work\u002Fapp-scams\u002F","Mandatory reimbursement of authorised push payment scam victims by UK payment firms, which shifts scam losses onto banks.",5,{"id":618,"label":619,"issuer":157,"region":152,"url":620,"description":621,"useCases":419,"indexable":211},"eu-mortgage-credit-directive","EU Mortgage Credit Directive","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Fdir\u002F2014\u002F17\u002Foj","Directive 2014\u002F17\u002FEU: creditworthiness assessment, disclosure and advice rules for residential mortgage lending.",{"id":623,"label":624,"issuer":625,"region":152,"url":626,"description":627,"useCases":419,"indexable":211},"pra-ss1-23","PRA SS1\u002F23 model risk management","Prudential Regulation Authority","https:\u002F\u002Fwww.bankofengland.co.uk\u002Fprudential-regulation\u002Fpublication\u002F2023\u002Fmay\u002Fmodel-risk-management-principles-for-banks-ss","UK model risk management principles for banks, covering AI and machine learning models.",{"id":629,"label":630,"issuer":631,"region":474,"url":632,"description":633,"useCases":420,"indexable":211},"au-scams-prevention-framework","Australian Scams Prevention Framework","Australian Treasury","https:\u002F\u002Ftreasury.gov.au\u002Fconsultation\u002Fc2024-573813","Economy wide obligations for banks, telcos and digital platforms to prevent, detect, disrupt and respond to scams.",{"id":635,"label":636,"issuer":157,"region":152,"url":637,"description":638,"useCases":420,"indexable":211},"eu-mar","EU Market Abuse Regulation","https:\u002F\u002Feur-lex.europa.eu\u002Feli\u002Freg\u002F2014\u002F596\u002Foj","Regulation (EU) 596\u002F2014: insider dealing and market manipulation, including the duty to detect and report suspicious orders and transactions.",{"id":640,"label":641,"issuer":473,"region":474,"url":642,"description":643,"useCases":420,"indexable":211},"mas-shared-responsibility-framework","MAS Shared Responsibility Framework","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fguidelines\u002Fguidelines-on-shared-responsibility-framework","Singapore's framework that assigns banks and telcos duties and loss sharing for phishing scams.",{"id":645,"label":646,"issuer":647,"region":198,"url":648,"description":649,"useCases":420,"indexable":211},"nyc-local-law-144","NYC Local Law 144","New York City","https:\u002F\u002Fwww.nyc.gov\u002Fsite\u002Fdca\u002Fabout\u002Fautomated-employment-decision-tools.page","Bias audits and notices for automated employment decision tools used in hiring and promotion in New York City.",1792049863836]