The Apple credit card is a “fucking sexist matter,” outraged the user @DHH on Twitter: He wrote that he is receiving the Apple a twenty times larger line of credit than his wife, even though the two had been married for a long time, and a joint tax return to submit it would.
Behind the user name, the Danish software developer, David Heinemeier Hansson, which has 355’000 Followers is. According to quickly the message is moved to other circles. Apple co-founder Steve Wozniak spoke up, him and his wife happened to be the Same: the same financial circumstances, but ten times more credit for him as a man.
The @Apple card is such a fucking sexist program. My wife and I filed joint tax returns, live in a community property state, and have been married for a long time. Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does. No appeals work.
— DHH (@dhh) January 7, 2019
The same thing happened to us. We have no separate bank accounts or credit cards or assets of any kind. We both have the same high limits on our cards, including our AmEx Centurion card. But 10x on the Apple Card.
— Steve Wozniak (@stevewoz) November 10, 2019
Because of the messages has become the Department of Financial Services (DFS) is active, the Supervisory authority of the state of New York, and has turned to Goldman Sachs: This is the financial institution behind Apple’s credit card: Whether intention or not, any discrimination would violate the law, said the DFS.
“gender doesn’t matter”
this morning, the Bank took a position on the allegations – also on Twitter. The credit line will be charged independently, family ties would play no role. Similarly, the gender or other personal characteristics.
We wanted to address some recent questions regarding the #Apple card credit decision process. pic.twitter.com/TNZJTUZv36
— GS Bank Support (@gsbanksupport) November 11, 2019
the question is, where do the differences stem from the remains. Heine Meier Hansson makes the Algorithms responsible: Goldman and Apple would delegate the assessment of the creditworthiness of a black box. And even if there is no gender discrimination intended, get out of gender discrimination in the process.
“Apple is!”
Apple has so far not commented on what prompted the indignant a Software developer to a further Tweet: This would be as if one would have to call the factory operator Foxconn, if the iPhone is broken. “The Apple is on the box. So is this,” wrote @DHH.
This, therefore, makes it all the more disappointing that Apple has failed to comment. They just pass all responsibility to the GS. Imagine if you had to call Foxconn to yourself when your iPhone broke? If it says Apple on the box, it’s an Apple product. Own it.
— DHH (@dhh) January 11, 2019
The question of whether Algorithms customers discriminate against groups, will deal with the Supervisory authorities in the future more often. At the Moment, the Software of the health insurer United Health Group is suspected to rate black customer significantly worse.
Created: 11.11.2019, 10:24 PM
