I mean, that's exactly what the opaque number is trying to do - typically you have some thresholds, below X deny the loan request, above Y approve, in the gray

I mean, that's exactly what the opaque number is trying to do - typically you have some thresholds, below X deny the loan request, above Y approve, in the gray area review.. The number will have some complex weighting, but I'm not sure how you get away from assigning a score if you want to make an automated decision.