The rapid integration of artificial intelligence into financial services has created a new frontier of legal uncertainty that could reshape how we think about responsibility in digital banking. As AI-powered tools increasingly handle routine financial transactions, from automated bill payments to sophisticated investment decisions, a fundamental question emerges: when these systems make mistakes or fall victim to fraud, who bears the liability? Financial technology expert Chris Skinner recently explored this critical issue, investigating what happens when AI tools send money to fraudulent third parties. His research reveals a sobering reality for consumers and businesses alike: the legal framework places responsibility squarely on human operators, not on the artificial intelligence systems themselves. This principle represents a significant shift in how we must approach AI-enabled financial services, demanding greater vigilance from users even as technology promises to simplify their banking experience.…