The outcry against the Apple Card began when the founder of Basecamp and the creator of Ruby on Rails, David Heinemeier Hansson, accused the bank of sexism after being offered twenty times his wife's credit limit, although they submit Joint tax returns.
In response to the controversy, Goldman published a statement on Twitter saying, "We never have and will never make decisions based on factors like gender … Along with As a third party we've reviewed our credit decision process to prevent inadvertent prejudice and outcomes. "
– GS Bank Support (@gsbanksupport) 11 November 2019
In addition, the bank announced that it would re-evaluate its lending decisions when asked by users, "If you believe that your line of credit may not reflect your credit history adequately In a similar situation, we want to hear We will reassess your line of credit based on additional information we may request. " After the first Twitter thread, Jamie Heinemeier Hansson wrote an explanation of why she decided to make the problem public. "It matters to the woman Trying to start a business in a world is not so successful in women or creditworthy as men still seem to be, said Ms. Hansson. It is important for a woman to get out of an abusive relationship. It is about minorities being damaged by institutional prejudice. It is important for so many. And so it is important for me. However, Goldman Sachs' answer was not enough for Mr. Hansson, and in another thread on Twitter he characterized the response as "patronizing" and pointed to the updates to the process that would be required Fairness.
Then you hear the following: 1) Applicants must be able to fully view the inputs to their algorithm 2) The weighting of each entry must be disclosed 3) They must be able to Correct Incorrect Data 4) Your staff must be able to explain the algorithm No more Damage Control PR, only results, please.
– DHH (@dhh) November 11, 2019
Hansson received support over the weekend from a prominent source: Apple co-founder Steve Wozniak, who experienced a similar discrepancy in his credit line with his wife and blamed not only Goldman, but also Apple; d the program got its name.
I am a current Apple employee and founder of the company and the same h attached to us (10x), although we have no separate assets or accounts. Some say the blame lies with Goldman Sachs, but the way in which Apple participates should be theirs.
– Steve Wozniak (@stevewoz) November 10, 2019
Apple has not commented on the subject yet.