Give Me Credit Episode 42 - Summer Encore

This week, we’re bringing back one of our most thought-provoking conversations.Ethics professor Neil Tift joined us to discuss something most people never think about until it affects them: the ethics behind algorithmic credit systems.As more financial decisions are made by data and predictive models, where does fairness fit in? We explore how automated systems can overlook the human stories behind financial hardship and why ethics should still have a seat at the table.If you missed this episode the first time, or if you’ve ever wondered who really decides financial opportunity, this is one worth revisiting.We’ll be back with brand-new episodes after our Summer Encore series wraps up. Until then, we’re revisiting some of our most valuable conversations to help you become a more informed consumer.Thanks for listening, and we’ll see you again soon.Give Me Credit Podcast is available on Substack, Apple Podcasts, and Spotify.Give Me Credit - Apple PodcastsGive Me Credit - SpotifyWhat happens when credit systems stop seeing people and start seeing patterns?In this latest episode of Give Me Credit, John Mackey and I welcome ethics professor Neil Tift back to the podcast for a deeper discussion about algorithmic credit systems and the growing power imbalance inside modern lending.We talk about:• How predictive data can override human context• Why financial hardship often gets treated like personal failure• The ethical responsibility of lenders and system designers• Capitalism with a conscience• What happens when algorithms quietly manage opportunityThis conversation goes beyond credit scores. It touches on fairness, accountability, and the real lives affected by automated decision-making.It may be one of our most important conversations yet.Listen now and tell us your thoughts. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe