AI systems built to assess creditworthiness are trained on data that implicitly accepts past discriminatory lending decisions as legitimate signals about borrowers today, writes Deon Crasto, of ...

Last week, the Consumer Financial Protection Bureau (CFPB or Bureau) released its latest Supervisory Highlights report, focusing on the use of advanced technologies in credit scoring models. This ...

Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

Forbes contributors publish independent expert analyses and insights. Writes about the future of finance and technology, follow for more. We live in a world where machines can understand speech, ...