> what exactly do you expect risk models to do in your case? I'm not complaining, just responding to others on this thread to whom the connection between consu

> what exactly do you expect risk models to do in your case? I'm not complaining, just responding to others on this thread to whom the connection between consumer credit rating and being a startup founder wasn't so obvious. > [...] we should leave some room for human intervention [...] I couldn't agree more, and this is not something we can take for granted. I see a dystopia lurking around the corner where only HNW individuals get the privilege of attention from human bankers and automated decisions can effectively block the path towards ever getting there. But that's a topic all of its own.