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The exact reason is probably that their ML model told them to. They probably have no ability to give a more satisfying answer.
by bcrosby95 5y ago
The exact reason is probably that their ML model told them to. They probably have no ability to give a more satisfying answer.
- dandanua 5y agoI don't think their model just says them "fraud/no fraud". There are different types of fraud, which should be written in their TOS.
- zippergz 5y agoNo, this is not how these systems work. You're correct that they don't say "fraud/no fraud" but they generate a score (like a credit score) based on a massive number of inputs, and there are thresholds over which action (account ban, etc.) is taken. It does not in any way map to "types of fraud" and it does not map to the TOS. It's about identifying activity or accounts that look sufficiently similar to previous bad actors.