Listen: Goldman Sachs, Apple, Amazon discussed on No Agenda
"Think because Well the AL goes that are determining credit limits are are biased apple calls simple and secure credit card created by metabank but apple and partner Goldman Sachs are now accused of gender bias software developer and millionaire David Heino Meyer Hansen says he and his wife Cher assets and income but apple cart gave him a credit line. Twenty Twenty Times higher than hers. Even though she has a higher credit score it seemed very discriminatory that I would get twenty times the credit limit even though our stats with the same Goldman says a computer algorithm made the decision when Hanson vented on twitter. Social media erupted with similar stories. Even the man who co-founded Apple Steve Wozniak says he got ten times. The credit limit that his wife Janet God was so low I could barely phone Arab plane ticket and I buy all of his plane tickets Eh. Always think in terms of assets and income and it's the same for both of us and that should determine your credit worthiness Goldman Sachs. APPLE'S FINANCIAL PARTNER SAYS Gender and marital status are not factors. We look at an individual's income and an individual's credit worthiness which includes factors like personal credit scores. How much debt you have? And how that debt has been managed consumer advocates say algorithm bias. is nothing new. We've seen it in housing. We've seen it in hiring we've seen thank healthcare tonight. The WOZNIAK say Goldman Sachs's offer to increase Janet limit as New York state regulators. Look into whether this credit card algorithm has an illegal illegal gender bias. First of all I find it very sad. That people are actually angry about how much in debt they can go. I just incredibly really sad I mean get it get a debit card if you want no limit if you've got the money but okay or get an American Express card or it's just you know arguing. Aw Oh I'm so great I can go up to one hundred thousand dollars in debt. Okie dokie good on you. Of course if you really want to know what's going on if you want the true through answers and technology we all know there's only one queen it's gotta be carriage Swisher. Who could tell us what's really going on? Really kind of speaks to the fact that yes and algorithm involves computers involves machines. But they're still has to be a human being. That's basically inputting the code and how that speaks to what could perhaps perhaps perhaps be inherent bias even just mistakes or unintended consequences well. I don't know if it's unintended consequences. These are programmed by people and of course as you know diversity. versity in the tech ranks are pretty low And so it's not the question that people try to. It's the way these algorithms are designed. They're not as thought out as they should be. Everyone assumes that blackbox and the machine decides everything but whenever you put in comes out of it and so in this case you know we would. What's really the problem is? There's so many good examples of bad outcomes here and they only grow as time goes on and I think it should be extended out for lots of things this idea that algorithms rule us and as we get into quantum computing and everything else we tend to rely on the decisions of these technologies that were created by people and largely by men and largely by white men. It's about how these algorithms going to place and how much I call such bullcrap on what she just said. I guarantee you. It's Brown and Dan Yellow men writing these algorithms. It's not white men loosely. Indians is what I'm saying Brown men but no it's white man man men and their white and it's all their fault shameful. Yeah it's just she should have burkhard polls. There's plenty of women coating this stuff to. Aw She's full of crap. Most of the white guys are the bosses. Hello Sheila White Dude. I mean come on Cara get it together one last one last one. I missed this every one last one just to make you throw up in your mouth a little bit. This is a a fabulous little. NPR segment they did on on this great smart home neighborhood which Amazon sponsoring. It's the future. John it's great. It's is going to be fabulous Brittany Sach works for Lanar one of the nation's largest home builders and she's been making the same sales pitch over and over to potential home buyers in this Seattle Seattle suburb. Control everything from your window blinds to your door locks using. Just your voice front door is locked. Adjust the mood lighting or tell room to clean up I call up the feed from one of the countless video cameras on the Smart Television Alexa. Show me the backyard. Okay now we can spy on. Whoever is he's having a drink on the back patio cameras and convenience? That's the pitch. Drew homes wasn't looking for smart home when he shopped for a house year but the technologies technologies came with the house. Now like would not live without him. His favorite feature is a ring doorbell. That logs visitors have teenager slice to confirm when they come home. Yeah and I can prove it. One time homes was away on a business trip and his stepdaughter forgot her key and couldn't get in so she just texted me. Hey can you open the door. You're I opened the door from aurea and so those Nice Brahms all their other neighborhoods like this bubbling up. Outside Tech Savvy cities like Miami and Denver and I should mention Amazon is an NPR sponsor in this neighborhood Alexis in every rating. She adjusts the Thermostat and reports on people's commutes. It's when they roll out of bed and she's getting better at it because she's watching and learning what people need. Dave garland technology will take off once people try it. He's with second can century ventures an investment arm of the National Association of Realtors. There's a new narrative when it comes to what home means it means up personalized environment. Where technology response to your every need? Maybe a means giving up some privacy. These families are trying out that compromise fifteen-year-old macy Ferguson says. She likes it. She uses Alexa alarms when for cheerleading practice. One for homework to help her manage her busy life. I just feel really fancy because I feel like she's my little like servant ordered Butler Kelly cautious houses. If I'm walking on our street I walk on the other side of the street. The side without the smart homes just because they don't feel like being on everyone's cameras and that's something. We'll all have to learn how to navigate if this technology becomes standard in more neighborhoods can't wait. NPR thanks for that. Wonderful report with your Amazon. On sponsor descends. Gus Gus Sky Notes Disgusted Nineteen eighty-four stuff. Yeah and we're happily purchasing purchasing. It will. We're not no but assembling at large public people all in their Judy Judy with it. And you know it's it won't end well especially in who. I'm sorry continue. I'll say what it won't end. Well I forgot what I was GONNA say. He's not going to end. Well I was gonNA say something else. Oh especially when they cut your power off is what I was GONNA say. Now it was bitching about and then they had a whole special. I didn't clip it of course but yeah I can tell you. The fishermen cut this huge fish. The one that got away. That's all right. That's all right so this this this was a clip about the all the cell towers were cut off along with the rest of the power Novicki even communicate Ham Radio Baby K.. Five ACC DOT com. What I keep obtain Ham radio That's it we will return on Sunday. I'm coming to you. From opportunities owned thirty-three here Fema region number six which you can find the governmental mental maps in the capital of the drone star state. Austin Tejas remembers at the rack dot org slash in a in the morning everybody. I'm Adam Curry Antrim Dan from northern Silicon Valley. where I want to send laments to the people that are suffering from the global warming effects of the incredibly cold weather back East which isn't helping show a lot of people listening I'm John deborrah special. Thanks to Jessica Nelson See We've got the Jeff Smith and I'm GONNA throw that social media song out there as well nick coming up next on no agenda STREAM DOT COM until Sunday Sunday audio smartphones and such Jeffrey. I've seen didn't himself."