Q3 - AI in Data, Behavior, and Human Systems with Aaron Klein, AB, MPA

Paths of Curiosity in an AI WorldFor decades, banks discriminated against borrowers in person. Then algorithms inherited those same biases and made them invisible.Aaron Klein says AI could finally fix that — or make it far worse.In this episode, we continue our AI and Human Decision-Making: Choices, Bias, and Behavior miniseries with Aaron Klein, Miriam K. Carliner Chair and Senior Fellow in Economic Studies at the Brookings Institution, former Deputy Assistant Secretary for Economic Policy at the U.S. Treasury Department, and former Chief Economist of the Senate Banking Committee — a person who helped write the laws that govern the financial system you're already living inside.Together, we explore:What actually happens in the first seconds after you apply for a credit card — and why a mysterious black box number you've never heard of may already be shaping your financial lifeHow banks once decided loans in person, face to face, and why that created the discrimination that federal law was written to stopWhat your device, your email address, your shopping hours, and even your name might already be telling a lender about you — before you've said a wordWhy the same characteristic — gender — is perfectly legal in car insurance but completely illegal in credit cards, and what that contradiction reveals about how financial rules actually get madeHow AI could finally extend credit to people the current system has locked out for generations — and what's standing in the wayWhy the entire financial system is tuned to an out-of-tune oboe, and how hard it is to get everyone to retune at onceKlein also shares his own path from organizing his rundown high school in Silver Spring, Maryland to the Senate Banking Committee to the Treasury Department during the 2008 financial crisis — and why the only two professions people describe as a calling are the priesthood and public service.This conversation will change how you think about every financial decision you make — and every decision already being made about you.Because in a world where an algorithm decides whether you get a loan before a human ever looks at your name, the question isn't just whether the system is fair. It's whether anyone with the power to change it actually will.Paths of Curiosity in an AI World Exploring tomorrow’s careers through the lens of AI Follow us: @pathsofcuriosityWebsite: https://pathsofcuriosity.com/Youtube: youtube.com/@PathsofCuriosityX: https://x.com/PathsCuriosityLinkedIn: https://www.linkedin.com/in/paths-of-curiosity-in-an-ai-world-2117803aa/