Definitely - one makes more money than the other. If a bank is biased against some group they are turning away profitable customers. This is also purely a statistical problem; once some quant discovers they can make more money by fixing the bias, they&#x27;ll do it.<p>Understanding what to expect out of the algorithms is absolutely the wrong way to determine this. The fact is that we simply don&#x27;t know apriori the optimal way to allocate credit. That&#x27;s why we need an algorithm in the first place.