Making LLMs Reliable When It Matters Most: A Five-Layer Architecture for High-Stakes Decisions

Key Points

• LLMs perform well in verifiable domains but unreliable for strategic decisions with uncertain outcomes
• Mutual cognitive biases between humans and AI systems create reliability gaps
• Five-layer architecture proposed to address high-stakes decision-making flaws

Implications

Threatens defensibility of AI-driven valuations and investment sustainability in financial services sector.

Action Required

FSIs should assess current AI decision-making frameworks against proposed reliability standards before high-stakes deployment.