Weapons of Math Destruction: How Algorithms Play God with Your Financial Future

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Weapons of Math Destruction - How Algorithms Play God with Your Financial Future


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When you woke up this morning, you had a plan on how you were going to improve your life. You had grand schemes, a plan, one of excitement. This was going to be the day that things were going to change! Perhaps in your history you were marred by poor decisions, loss of ambition or lack of financial sense, but you’ve reached a point where you are moving past that. Today is the day that you’re going to change your life for the better! But there’s a problem, isn’t there?
The past may have been something that you were able to put behind yourself, you made mistakes, yes, but you’ve moved on. You’ve learned the lessons that were to be learned and you might have to make multiple payments on the “foolishness tax” but then again, who doesn’t make mistakes? As people, we live and learn. We grow and change, an angsty, anti-system teenager grows up to become a banker. A proto-punk protester who doesn’t care about paying back her student loans eventually realizes that she has to be responsible for the choices she has made. Who among us hasn’t made poor decisions in our lives? Let he who is without a terrible tattoo or high-school music choice cast the first stone, right?
Wrong. While we as people may make mistakes and learn to forgive both ourselves and each other for past misdeeds, poor choices of utilizing finances and loss of money due to poor bad investments, there is something that never forgets and unlike a person, it also never forgives. What never forgets, you might ask? Unfortunately, the answer is complex, but if we were to sum it up in a word, it would be the word: algorithms. As we begin to take a look at the things that are secretly holding you back in your life, you will learn how financial institutions and banks are allowed to use computers to discriminate against you. You will learn what you’re facing realistically whenever you enter a bank with the hopes and dreams of moving past the life that you had once lived. You will see how the bankers job is just to type numbers into a computer leaving all else including your fate all up to a series of numbers and calculations, completely ignoring the flesh and blood that you are.


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