Somebody actually did make this as a joke years ago haha https://github.com/yarrick/pingfs
Credit scores didn’t exist but credit bureaus date back to the mid 1800s in the USA. Also, as others have mentioned creditors would do their due diligence and try to assert that you would be able to pay back your loans by doing many of the same things they do now.
This really isn’t some new, crazy concept like you’re making it out to be. The score has only simplified the process.
You’re asking a question that nobody has an answer to.
It’s both unethical and illegal.
I remember talking to an older fella about his experience becoming a programmer back in the 60s (I think). He told me that he decided it was time to start a career so he went to a nearby IBM office and asked for a job. They gave him an aptitude test and then hired him the same day. He wrote code for their mainframes until he retired.
We need to be very careful with news outlets that focus on science hype. Often times they’re jumping to conclusions based on poorly written papers that have yet to be peer reviewed and reproduced.
Just take a look at the homepage of this website. They post several times a day with much of it being obvious clickbait backed by very little journalistic integrity.
It sounds like the model is overfitting the training data. They say it scored 100% on the testing set of data which almost always indicates that the model has learned how to ace the training set but flops in the real world.
I think we shouldn’t put much weight behind this news article. This is just more overblown hype for the sake of clicks.
You’ve definitely given us enough information to make a decision. This is actually an alien probe.
I don’t understand how they could be taking such a big loss on those accounts. Federal reserve rates are above 5%…
Also, it’s hard to feel bad for the bank taking a billion dollar loss when they have like 1.5 trillion dollars in assets.
There’s no reason that a monolith can’t scale. In fact you scale a monolith the same way you scale micro services.
The real reason to use micro services is because you can have individual teams own a small set of services. Lemmy isn’t built by a huge corporation though so that doesn’t really make sense.
Does the PWA allow for haptic feedback? I miss the satisfying clunk associated with actions
Tax write offs don’t really work the way people think they do. You reduce your taxable income by the amount you donate but you don’t pay 100% of your taxable income to the government.
So charity is like an inverted tax where you lose 80% of your money instead of the 20% you pay to the government.
Rich people make can make it work sometimes by donating assets that have an inflated value and otherwise don’t translate well to “income”.
Businesses operate very differently because they’re taxed on profits not income. So when you hear about businesses not paying taxes it is because they’ve cooked the books to have less “profit”.