An Interview With Earnest: Ethical data science for better lending

I really enjoyed this!<p>I&#x27;m really interested in knowing more about the tech stack you are using. I work for Analytical Flavor Systems[0], where we do heavy data science in R and then display everything in R Shiny. Currently I&#x27;m looking at different methods of moving off the R Shiny platform as our application has gotten really complex.<p>The main problem is we are constantly running our algorithms when new data comes in per producer and we have to display it.<p>[0] <a href="https:&#x2F;&#x2F;www.gastrograph.com" rel="nofollow">https:&#x2F;&#x2F;www.gastrograph.com</a>

I hope I&#x27;m never in so desperate need for a loan that I have to sign up for LinkedIn.

Really enjoyed this interview - some pretty interesting insights. Brian and the Earnest team (along with myself!) will be hanging around the HN comments for extra questions.

Good article. The correlation between having more than 0 LinkedIn connections and financial responsibility surprised me. I wonder though if the correlation will decrease in the future though, as financially irresponsible people game the system by simply creating a LinkedIn profile and adding a few connections before applying to Earnest.

Interesting article. It does raise a tricky question though: What separates ethical&#x2F;unethical or fair&#x2F;unfair factors on which to discriminate. I choose not to use LinkedIn based on their privacy policy among other things. Is it fair for me to be discriminated against because of this?