The majority of people in Sub-Saharan Africa does not have a basic bank account and are financially excluded from main …

Technology has changed how discrimination manifests itself in financial services. Replacing human discretion with … algorithms in decision-making roles reduces taste-based discrimination, and new modeling techniques have expanded access to … human involvement in the development process, and their opacity and complexity can facilitate statistical discrimination …

Technology has changed how discrimination manifests itself in financial services. Replacing human discretion with … algorithms in decision-making roles reduces taste-based discrimination, and new modeling techniques have expanded access to … human involvement in the development process, and their opacity and complexity can facilitate statistical discrimination …

Discrimination in lending can occur either in face-to-face decisions or in algorithmic scoring. We provide a workable … interpretation of the courts' legitimate-business-necessity defense of statistical discrimination. We then estimate the extent of … racial/ethnic discrimination in the largest consumer-lending market using an identification afforded by the pricing of …