Apple Inc co-founder Steve Wozniak took part the online debate over accusations of gender discrimination by the algorithm behind the iPhone maker’s charge card, sustaining scrutiny of the recently launched Apple Card.
The criticism began on Thursday, after entrepreneur David Heinemeier Hansson railed against the Apple Card in a series ofTwitter posts, saying it provided him 20 times the credit line his partner received.
The much expected titanium credit card, part of a wider effort by Apple to derive greater revenue from services after years of heavy reliance on iPhone sales, was launched in August, in partnership with Goldman Sachs Group Inc.
In an e-mail, Goldman stated Apple Card applicants were examined individually, according to income and credit reliability, considering elements such as personal credit rating and individual financial obligation.
It was possible for two relative to get significantly various credit decisions, the bank said, but included, “We have not, and will not, make choices based upon aspects like gender.”
Hansson, who is the developer of web-application frameworkRuby on Bed rails, did not disclose any specific income-related information for himself or his better half but tweeted that they submitted joint tax returns which his better half had a better credit score.
On Saturday, Wozniak chimed in with a similar experience, stating he got 10 times more credit on the card, compared with his wife.
” We have no different bank or credit card accounts or any separate properties,” Wozniak said on Twitter, in reply to Hansson’s original tweet.
” Difficult to get to a human for a correction. It’s big tech in 2019.”
New York’s Department of Financial Services stated it was starting a query into Goldman Sachs’ charge card practices.
” New york city law forbids discrimination against secured classes of people,” Linda Lacewell, the superintendent of the New york city State Department of Financial Services, wrote in ablog post. (http://bit.ly/2Ny1TUA)
That barred an algorithm, like any other technique of determining credit reliability, from diverse treatment based on specific qualities such as age, creed, race, color, sex, sexual preference, nationwide origin, among others, she included.
” We know the concern of discrimination in algorithmic decisioning also extends to other areas of monetary services.”
Apple did not instantly respond to a Reuters ask for comment on Sunday.
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