To emphasise the complexity of the decisions we face, I shall mention but one example, without overlooking its problematic aspects: the deployment of artificial intelligence and machine learning, and the use of big data to measure creditworthiness.
When these technologies began to spread, many thought they would sweep away the banks, which were slow in embracing the new techniques and unable to make full use of their wealth of customer information, to the benefit of non-bank operators with formidable databases and proven processing capabilities. 35.