Woz: Apple should 'share responsibility' for sexist Apple Card

11 Novembre, 2019, 19:07 | Auteur: Auguste Feret
  • A person holds an Apple card in this file

The Apple Card is Apple's way of trying to upset the credit-card establishment, with no hidden fees and perks like Daily Cash back.

The criticism started on Thursday, after entrepreneur David Heinemeier Hansson railed against the Apple Card in a series of Twitter posts, saying it gave him 20 times the credit limit his wife received.

While pleased with the outcome, Heinemeir Hansson still questioned the integrity of the algorithm that had decided his wife's initial spending limit, and why the people they had spoken to were so confident in its accuracy despite having no way of examining it.

Apple Inc co-founder Steve Wozniak joined in the online debate over accusations of gender discrimination by the algorithm behind the iPhone maker's credit card, fueling scrutiny of the newly launched Apple Card.

"New York law prohibits discrimination against protected classes of individuals", Linda Lacewell, the superintendent of the New York State Department of Financial Services, wrote in a blog post. She invited others who believe they have been affected by similar circumstances to contact the department with their experiences.

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The problem of algorithmic bias is one that has been increasingly widespread in recent years.

Goldman Sachs responded to this news with the statement below, saying that because each application is treated individually, it's entirely possible for two people in the same family to end up with very different spending limits.

Needless to say, Mr Hansson's wife credit line got jacked up immediately after the thread went viral, and it remains to be seen if Goldman Sachs, whose partnership on the Apple Card is its first foray into consumer financing, will amend its algorithm as well.

A credit score predicts how likely you are to pay back a loan, but it does not by itself determine how much you would be allowed to borrow. As well as income and creditworthiness, it also considers personal credit scores and personal debt. I got [ten times] the credit limit.


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