I saw a talk by a fintech company CTO who lend to people in European countries without reliable credit scoring. They used lots of data points, effectively a bla

I saw a talk by a fintech company CTO who lend to people in European countries without reliable credit scoring. They used lots of data points, effectively a black box system. But sometimes they loan to people they wouldn't normally loan to, just because that loan adds the kind of data they would otherwise not get, and they take a risk on default in exchange for more data. I'm assuming smaller loan amounts. So I guess that is one way for lending institutions to say they are issuing "bad loans for fairness" while still benefiting from it in terms of getting more training data and making the model more robust.