At the time of writing, the democratic world remains blissfully social-credit-system free. However, companies do still use data to profile us – often in ethically dubious ways. Every time you take out a loan, or buy an insurance plan, the terms will be determined by data about similar consumers – and the more sophisticated our data becomes, the more dependent on these methods insurers and banks will be. But this creates a problem: we are all being profiled on the basis not just of our behaviour, but also of our demography. And demographic profiling leads, inexorably, to prejudice. Racial bias
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