Klarna's experience with AI agents highlights the importance of human-in-the-loop (HITL) implementations, where strategic integration of humans and AI is key to success. The company found that carefully designed triggers can determine when a human touch is needed, often in situations where regulatory requirements or high-value transactions are involved. By building a feedback loop and structuring human feedback mechanisms, companies can systematically improve their AI systems' knowledge base and optimize both cost and quality. A successful HITL system requires strategic planning and tactical excellence, with more human oversight initially and gradually dialing it back as the system proves itself. The goal is to create a coaching system where human expertise enhances AI capabilities while AI supports human decision-making, leading to better customer outcomes and efficient operations.