What question did this study set out to answer?

The aim is to present AICOS, a governance-oriented architecture to ensure reliability in AI-assisted financial decision-making.

June 19, 2026Open Access

AICOS: Governance-Constrained Decision Infrastructure for Reliable AI-Assisted Financial Decision Systems

Key Points

The aim is to present AICOS, a governance-oriented architecture to ensure reliability in AI-assisted financial decision-making.
Introduced a conceptual architecture for AI-assisted decisions.
Developed a mathematical decision framework for evidence validation and risk evaluation.
Implemented validation methodology focusing on auditability and explainability.
AICOS improves transparency and traceability in financial decisions.
Governance controls enhance operational control without replacing human judgment.
Replay-based verification confirms reliability in critical decision environments.

Abstract

This paper presents AICOS, a governance-oriented decision infrastructure architecture designed for reliable AI-assisted financial decision processes. The study focuses on evidence validation, risk evaluation, governance controls, replay-based verification, explainability and auditability mechanisms for critical decision environments. AICOS is designed to support human-final decision processes by improving transparency, traceability and operational control rather than replacing human judgment. The paper introduces the conceptual architecture, mathematical decision framework and validation methodology for controlled AI-supported decision systems.

AICOS: Governance-Constrained Decision Infrastructure for Reliable AI-Assisted Financial Decision Systems

Key Points

Abstract

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