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

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.