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Using algorithms to determine character

Ironically, Upstart's Paul Gu, who said he had perfect SAT scores but dropped out of Yale, wouldn't have qualified for an Upstart loan using his own initial algorithms. He has since changed the design.

New York

COMPUTERS aren't just doing hard mathematical problems and showing us cat videos. Increasingly, they judge our character.

Maybe we should be grateful.

A company in Palo Alto, California, called Upstart has over the past 15 months lent US$130 million to people with...

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