20 However, when policy rates are stuck at the zero lower bound, there could be a more favourable case for NGDP targeting. The exceptional nature of the situation, and the magnitude of the gaps involved, could make such a policy more credible and easier to understand.
It is also possible for the complex data interactions that are emblematic of AI—a key strength when properly managed—to create proxies for race or other protected characteristics,  Among other things, the explanation can also make consumers aware of any erroneous information that drove the denial of credit.