When should an AI agent hand a conversation to a human?
A builder working on agents for healthcare and finance asks how to decide the handoff point to a human: confidence scores, topics, user frustration, or a fixed rule. The practical answer is a hard rule first: anything involving money, health data, or an irreversible action goes to a human regardless of confidence, since scores are least reliable on exactly the weird edge cases. For the handoff itself, a short structured summary of what was asked, confirmed, and left open beats handing over a raw transcript.