You think in foreseeable future we are unable to develop a credit system that does not call an AI API? I dont' know, those systems seems rather closed. I have

You think in foreseeable future we are unable to develop a credit system that does not call an AI API? I dont' know, those systems seems rather closed. I have my doubts. We have rules against discrimination of gender. Just as an example. Those work without looking into every API call.