Banks like to brand themselves as calculators of pure numbers, but behind the curtain, they’re also sorting people into categories. Every loan application runs through models that chew on data like income, credit history, and spending habits.
What’s less obvious is how subtle signals tied to gender sneak into these models. That means men and women may be judged differently before a human ever reads the file. The quiet sorting can decide everything from interest rates to loan limits without anyone knowing it happened.
