Personally, I find the push to allocating resources based on this kind of data interesting and could possibly be more efficient than the way it has been. That

Personally, I find the push to allocating resources based on this kind of data interesting and could possibly be more efficient than the way it has been. That being said, since these systems are abstraction on debt, the failure mode at the margins means that companies that become reliant on funds from these loans will be increasingly sensitive to people at the margins who will be denied such loans. I also find it interesting that the public will also have increasingly more access to the data to be able to retroactively understand the factors that determine the go/no go (especially as these systems become increasingly automated). Combined with the above, it will be increasingly possible to create ways to dirty the waters in the signals for a variety of desired outcomes for 3rd party actors.