Welcome to Texas ProRotta, where we take just 10 minutes to get you smarter on the collision of tech, business, and politics.

Sponsored by Silicon Valley Bank, Ideas Bank here. I'm Dan Permac on today's show, the rise of data

antitrust and a rough start for Disney Plus.

But first, blame the algorithm, part two.

So yesterday's episode focused on alleged gender bias in credit card applications,

and in particular, the new Apple card that's being issued by Goldman Sachs.

A Silicon Valley engineer named David Heinemeyer Hansen had said that he received a credit

limit 20 times higher than that of his wife, even though she had a better credit score and

the couple files joint tax returns.

And then came similar complaints, including from Apple co-founder Steve Wozniak.

Here's Hansen during yesterday's episode.

There's nowhere in their algorithm where it says, if a woman applies, give this lower rating.

No, that's not how algorithm bias works.

It works by feeding it training data that ends up being biased or it ends up considering things in some cases and not considering things in other cases.

So Goldman Sachs is now under investigation over the matter by New York regulators, but it steadfastly insists that its algorithm knows neither gender nor marital status.

Instead, Goldman says that the Apple card differs from other credit cards and that it only focuses on the individual, whereas many of those other cards include primary holders and then authorized users, like a spouse.

As such, it says the individual's credit history is king, and gender has nothing to do with it.

In 15 seconds, we'll dig in with Carrie Hallio, CEO of Goldman Sachs's Retail Bank.

But first, this.

This episode is brought to you by Silicon Valley Bank.

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