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I have no reason to believe you're a dumb guy, but I do think if you ever tried to start a company on this belief that you would either end up losing money or eventually start doing usury.
more likely this would violate the fair lending act/do redlining, the risk with alt data isn't that you do shitty underwriting its that you break the law
Yes, this is it. Convincing banks that your RNN doesn't violate fair lending and will get past their risk committees will put you out of business. Insert IQ bell curve meme with FICO on both ends.
I think your assumption is that FICO is this beautifully built model that every cycle is improved… Big companies are slow and dumb. But im sure there’s dozens of start ups testing this theory rn. I think it’s just lazy entrenchment vs. rationale
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