Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
How AI Is Learning Bias from Credit Scoring Algorithms
Episode 119 of AI Ethics with Fexingo examines how credit scoring models can inherit and amplify racial and socioeconomic bias. Lucas and Luna dive into a 2025 Federal Reserve study showing that alternative data like utility payments and rental history can reduce bias when used carefully, but also risk creating new forms of discrimination. They discuss the case of Upstart, a lending platform that uses AI to approve more borrowers while maintaining lower default rates, yet still faces scrutiny from the Consumer Financial Protection Bureau. The hosts explore the tension between financial…
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