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> Does it not concern you in the slightest, that when they've ended up speaking to higher and higher up people in the various organisations that they literally don't know why the algorithm decided the way it did?

No, I wouldn’t be concerned in the slightest - I’d just get a card from somewhere else.

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Artificially limiting people's access to capital is a real problem. Sure, perhaps having to go to a separate company once is a minor inconvenience. If no one questions the "algorithm" and it gains wider spread adoption, people's access to capital can very quickly deteriorate. This has real consequences to people's ability to start a business, buy a house, pay a hospital bill... And yet you are not "concerned in the slightest". Do you have a blind trust in the algorithm, or just complete apathy on how this could affect people? What are the things that concern you then?

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