AI is transforming how banks operate in Africa, with artificial intelligence now playing a key role in lending decisions, productivity improvements, and fraud detection. However, despite this growing reliance on AI, banks still retain ultimate authority over outcomes, according to a recent panel discussion at WSO2Con Africa. The event highlighted the increasing integration of AI tools in financial services, but also raised concerns about transparency and accountability. Regulators are pushing for greater explainability in AI-driven processes, emphasizing the need for clear oversight. While AI is becoming more involved in decision-making, the final call remains with human experts. This balance between automation and human judgment is shaping the future of banking in the region.