... not only because they’re accurate but because taking humans out of the equation nixes the risk of manipulation by borrowers Computers are objective, obviou

... not only because they’re accurate but because taking humans out of the equation nixes the risk of manipulation by borrowers Computers are objective, obviously. But that doesn't mean the input cannot be manipulated to achieve a better output. In a way, computers are much more naive than humans. In my opinion it is irresponsible to remove the humans from the loop, in this case. A human would have an easier time rejecting applications that simply are sob stories waiting to happen, not by looking at the numbers but by listening. Then again, the reason for this set up in the first place could be to avoid responsibility. If there is no human that took the decision, there is no accountability, no recourse. Which means that they can exploit the cases that are normally ethically off-limits to even the most sociopathic loan sharks.