The real difference is that automated decisions in bank software systems are risk mitigation failsafes, and only make "negative decisions", the kind that refuse something that the bank is at a liberty to refuse. So they never need to be held accountable in this sense, they never choose the risky path.

Bank automation is like a human first making a "yes" decision, then calling a lawyer to ask if they should go ahead with it, and changing their mind if a lawyer advises not to go ahead.

    orig | auto | result
    no   | n/a  | no
    yes  | yes  | yes
    yes  | no   | no