This isn’t really about Apple Card, or Goldman Sachs, or even credit reporting. It’s broader than sexism. This is about ”the algorithm.” Not this specific algo

This isn’t really about Apple Card, or Goldman Sachs, or even credit reporting. It’s broader than sexism. This is about ”the algorithm.” Not this specific algorithm, but the black boxes that we increasingly entrust with positions of power over our lives, to the point where the best anyone can do is throw their hands up and say “it’s the algorithm!” Algorithms are just business logic and math. They can be very complicated instances of both, but they’re not magic. Humans are capable of explaining them and understanding them. But it takes investment to communicate these things, and until now, there’s been no motivation in the industry to invest in algorithmic transparency. Maybe it’s time to create that motivation.