Giving customers of banks transparency of the models as a third party could be a good application of causal reasoning. Each individual customer of a bank only h

Giving customers of banks transparency of the models as a third party could be a good application of causal reasoning. Each individual customer of a bank only has their own parameters, and a yes / no output from the bank. A third party designed to help customers get approved could aggregate data across multiple customers, generate hypotheses of what changes would artificially lower the bank's perceived risk for a customer (which would also require it understand what sort of changes customers can make easily), and test those hypotheses to refine a model. It could optimise for revenue, paying customers for information, and receiving income if it succeeds in getting them approved.