Jeannie Marie Paterson
speaker
83 appearances
1 recordings
1 series
first heard Feb 2022
last heard Feb 2022
Jeannie Marie Paterson’s voice in public audio — every appearance, attributed to the second.
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than what a human would do but it's also less reflective so all an algorithm is doing is looking for patterns in large amounts of data and those patterns might be useful but they also might not be useful and there's websites that have you know lots and lots of what we call false correlations for example people who died being tangled in their bed sheets
and eat cheese.
Now, obviously, the two aren't related.
An algorithm, because it's just looking for patterns in data, won't know that.
So it can come up with lots of false and irrelevant considerations, which is problematic.
And it's even more problematic when it can discriminate in a way that has real consequences for people.
So if the consequences, the deserving borrowers don't get loans, that's really problematic.
That's right.
What we in the law are calling for there is algorithmic transparency.
Because the first step when these automated processes are using is letting people know what is happening.
That's only by having some transparency in the weighting of different factors...
that the banks who are making the lending decisions and the people who are subject to those lending decisions can say, hey, wait a minute, I understand that my credit card debt and the loans I've had in the past might be relevant to whether I'm given a loan to buy a house, but postcode is either irrelevant or positively discriminatory.
So we would say that there needs to be greater clarity about what's being done in these automated processes for the betterment of everybody.
Absolutely.
And the problem we have here is that, remember, it's a third-party commercial provider doing the credit ratings.
So they certainly have an incentive not to disclose information because it's commercial incompetence or it's their proprietary algorithm.
If we're going to rely on automated process to make important decisions, we need to move beyond that mindset and
and stress the importance for transparency, which follows and from that follows accountability for the types of decisions that are being made.
And interestingly, in Europe, laws demanding these things are starting to be passed.
Absolutely.
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