AI systems making unauthorized financial transactions expose companies to losses

Most companies using AI to handle money have already faced serious problems. A 2025 survey of 1,500 senior executives found that 95 percent had experienced at least one AI incident in the past two years. In 77 percent of those cases, the company lost money directly.

One growing problem is that AI systems have quietly taken on more financial control over time. They have moved from simple tasks to approving payments and sending money abroad, often without anyone formally agreeing to this.

When an AI makes a purchase that someone later disputes, it is not clear who is responsible. Current rules were written for human buyers. Merchants are usually left to cover the costs, losing both the payment and paying extra dispute fees.