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" ... Compare this to the criminal justice bias example, where justice is the end goal and equality is a core tenet of justice. In such a system, the correct choice is to not use a biased model at all: It’s better that everyone gets a 20% accurate future crime prediction instead of having white and black people get 50% and 30% accuracy, respectively. The same stands for recruiting: It’s better to require corporations to hire more slowly (by not allowing them to prescreen candidates who are more likely to get hired) instead of increasing men’s chances to get hired over women even further than they already are. ... "
" ... Those relationships also mean access to data. Whereas a traditional lender has to wait for a customer to apply for a loan before it gets insight into the health of that business, a merchant processor sees business activity in real time, enabling it to prescreen and preapprove customers for offers, which is a much more proactive approach with a higher customer acceptance rate. ... "