FinTech Magazine November 2025 | Page 132

TECH & AI

“When new regulations come in, we really look at the regulations and interpret them from a technology-first perspective”

Dill Bath, AI Technical Lead, Allianz
phone with a help desk all day. So how do we achieve this? We achieve this through automation.”
Automation comes with risks, on top of benefits. AI still carries risks such as hallucinations, leaks, and compliance disruptions. To combat these risks, developers need to introduce guardrails.
Hargreaves Lansdown has“ embedded all of these guardrails that, in reality, help us move faster”, according to Bettina.
Guardrails are a necessity in automation and AI. By introducing guardrails, which are designed to work in line with an organisation’ s standards, policies and values, it introduces a vital backboard for any user: trust.
Dill notes that Allianz is heading towards a tech-first approach.
“ OPA, or Open Policy Agent, is very new for us, just codifying all the policies, but not in a way to block our developers, but almost like a copilot to nudge them in the right direction. So we are really investing a lot of time into that.
“ So don’ t block, but report and say,‘ Hey, you might be doing something wrong here.’ So that’ s working well in our pilots, but we really want to push on that. And the other thing is we want to go more in a tech-first way. When new regulations come in, we really look at the regulations and interpret them from a technology-first perspective rather than,‘ Hey, let’ s add it to the policy, let’ s create a manual process, and then let’ s ask once a year whether you’ re doing this or not.’ It doesn’ t work.”
132 November 2025