TLDR: no evidence is presented for automated terminal attack capabilities. Even a heat-seeking missile is more automated than these drones which simply maintain course.
You can imo see RF jamming of the fpv feed when the drone approaches the tank, quite interesting. Probably what neccesassites the automated terminal attacks.
Imo it doesn't matter how sophisticated the tech is, if it works with a meaningful success rate than it's quite an effective weapon against a multi-million rubel tank.