Apple has orders investigation for its Apple Card over gender discrimination complaints. Several users complained that the Apple Card algorithm is gender-biased and it offers higher credit limits for men than women.
The incident began, when tech entrepreneur, David Heinemeier Hansson complained on Twitter. He said despite his credit score lower than her wide he was offered with 20x the credit limit she does.
He tweeted, “My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time,” Heinemeier Hansson said. “Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does. No appeals work.”
Later Apple representative raised an internal ticket for the complaint and raised her wide’s Credit Score. Also representative stated that all assessments are made by the Apple Card algorithm and they could do nothing to change the algorithm’s overall decision.
In another tweet, Hansson said, “Apple Card is a sexist program. It does not matter what the intent of individual Apple reps is, it matters what THE ALGORITHM they’ve placed their complete faith in does. And what it does is discriminate.”
After his tweet went viral, Apple’s co-founder Steve Wozniak also shared the same experience.
The same thing happened to us. I got 10x the credit limit. We have no separate bank or credit card accounts or any separate assets. Hard to get to a human for a correction though. It's big tech in 2019.
— Steve Wozniak (@stevewoz) November 10, 2019
During an interview on Sunday, Wozniak said, “These sorts of unfairnesses bother me and go against the principle of truth. We don’t have transparency on how these companies set these things up and operate.” Our government isn’t strong enough on the issues of regulation. Consumers can only be represented by the government because big corporations only represent themselves.”
Apple-designed the card in conjunction with Goldman Sachs. On the front, it features a chip and an Apple Logo while at the back it has a ‘Mastercard logo’ as well as ‘Goldman Sachs logo’. In a statement, Goldman Sachs said, “We have not and will not make decisions based on factors like gender.”
— GS Bank Support (@gsbanksupport) November 11, 2019