Credit Redlining: AI Loan Scoring Traps Small Borrowers
Fintech lending apps and commercial banks are replacing traditional credit evaluations with automated AI scoring models that analyze smartphone metadata, social contacts, and geographic location. Algorithmic investigations reveal that these opaque models create digital redlining, systematically denying loans to informal workers and residents of specific zip codes.
The Bharat Media Association...
ABOUT Bharat Aawaz | BMA
Bharat Aawaz
