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Steve Bosserman

Are You Creditworthy? The Algorithm Will Decide. - 0 views

undark.org/...redit-scoring-machine-learning

algorithms discrimination bias credit scoring

shared by Steve Bosserman on 12 May 18 - No Cached
  • The decisions made by algorithmic credit scoring applications are not only said to be more accurate in predicting risk than traditional scoring methods; its champions argue they are also fairer because the algorithm is unswayed by the racial, gender, and socioeconomic biases that have skewed access to credit in the past.
  • Algorithmic credit scores might seem futuristic, but these practices do have roots in credit scoring practices of yore. Early credit agencies, for example, hired human reporters to dig into their customers’ credit histories. The reports were largely compiled from local gossip and colored by the speculations of the predominantly white, male middle class reporters. Remarks about race and class, asides about housekeeping, and speculations about sexual orientation all abounded.
  • By 1935, whole neighborhoods in the U.S. were classified according to their credit characteristics. A map from that year of Greater Atlanta comes color-coded in shades of blue (desirable), yellow (definitely declining) and red (hazardous). The legend recalls a time when an individual’s chances of receiving a mortgage were shaped by their geographic status.
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  • These systems are fast becoming the norm. The Chinese Government is now close to launching its own algorithmic “Social Credit System” for its 1.4 billion citizens, a metric that uses online data to rate trustworthiness. As these systems become pervasive, and scores come to stand for individual worth, determining access to finance, services, and basic freedoms, the stakes of one bad decision are that much higher. This is to say nothing of the legitimacy of using such algorithmic proxies in the first place. While it might seem obvious to call for greater transparency in these systems, with machine learning and massive datasets it’s extremely difficult to locate bias. Even if we could peer inside the black box, we probably wouldn’t find a clause in the code instructing the system to discriminate against the poor, or people of color, or even people who play too many video games. More important than understanding how these scores get calculated is giving users meaningful opportunities to dispute and contest adverse decisions that are made about them by the algorithm.
Steve Bosserman

High score, low pay: why the gig economy loves gamification | Business | The Guardian - 0 views

www.theguardian.com/...ivers-ride-hailing-gig-economy

gamification gig economy taxi service incentive productivity profit

shared by Steve Bosserman on 23 Nov 18 - No Cached
  • Simply defined, gamification is the use of game elements – point-scoring, levels, competition with others, measurable evidence of accomplishment, ratings and rules of play – in non-game contexts. Games deliver an instantaneous, visceral experience of success and reward, and they are increasingly used in the workplace to promote emotional engagement with the work process, to increase workers’ psychological investment in completing otherwise uninspiring tasks, and to influence, or “nudge”, workers’ behaviour.
  • According to Burawoy, production at Allied was deliberately organised by management to encourage workers to play the game. When work took the form of a game, Burawoy observed, something interesting happened: workers’ primary source of conflict was no longer with the boss. Instead, tensions were dispersed between workers (the scheduling man, the truckers, the inspectors), between operators and their machines, and between operators and their own physical limitations (their stamina, precision of movement, focus). The battle to beat the quota also transformed a monotonous, soul-crushing job into an exciting outlet for workers to exercise their creativity, speed and skill. Workers attached notions of status and prestige to their output, and the game presented them with a series of choices throughout the day, affording them a sense of relative autonomy and control. It tapped into a worker’s desire for self-determination and self-expression. Then, it directed that desire towards the production of profit for their employer.
  • Former Google “design ethicist” Tristan Harris has also described how the “pull-to-refresh” mechanism used in most social media feeds mimics the clever architecture of a slot machine: users never know when they are going to experience gratification – a dozen new likes or retweets – but they know that gratification will eventually come. This unpredictability is addictive: behavioural psychologists have long understood that gambling uses variable reinforcement schedules – unpredictable intervals of uncertainty, anticipation and feedback – to condition players into playing just one more round.
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  • Gaming the game, Burawoy observed, allowed workers to assert some limited control over the labour process, and to “make out” as a result. In turn, that win had the effect of reproducing the players’ commitment to playing, and their consent to the rules of the game. When players were unsuccessful, their dissatisfaction was directed at the game’s obstacles, not at the capitalist class, which sets the rules. The inbuilt antagonism between the player and the game replaces, in the mind of the worker, the deeper antagonism between boss and worker. Learning how to operate cleverly within the game’s parameters becomes the only imaginable option. And now there is another layer interposed between labour and capital: the algorithm.
Bill Fulkerson

'Evidence-Based Medicine' and the Expulsion of Peter Gøtzsche - 0 views

undark.org/...peter-gotzsche-cochrane

statistics medicine

shared by Bill Fulkerson on 03 Jan 20 - No Cached
  • Bill Fulkerson on 03 Jan 20
     
    Having started his career critiquing the drug companies, Gøtzsche's circle of scorn has since widened to take in mammographers, psychiatrists, scores of his own colleagues, and, now, seemingly every single doctor in the world. According to him, he has another book - "Vaccines: Truth, Lies, and Controversy," coming out in February.
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