>That doesn’t mean the formula is reasonable or transparent. An AI is also a specific formula that applies equally to everyone. You can learn literally everyth

>That doesn’t mean the formula is reasonable or transparent. An AI is also a specific formula that applies equally to everyone. You can learn literally everything you need to know about how the FICO credit scoring systems works in probably two or three hours of dedicated research, even though the model itself is a trade-secret. When lenders deny credit, they're legally obliged to provide the specific reasons why. This is not-even-in-the-same-ballpark as AI, where no-one can even tell you how inputs relate to outputs, not even the creators.