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Apple Card Faces Investigation After Accusations of Gender Discrimination

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  • A popular Twitter thread has accused Apple Card, which is put out in partnership with Goldman Sachs, of gender bias. 
  • A programmer said he got 20 times the credit card limit as his wife, despite the fact that they file joint tax returns and the fact that she has a higher individual credit score than he does. 
  • Others said they faced similar problems, including Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company.
  • Goldman Sachs insisted that gender is not a factor in card applications and approvals, but New York’s Department of Financial Services said it will investigate.

Thread Accusing Apple Card of Gender Bias Goes Viral

The New York Department of Financial Services says it will be looking into potential gender discrimination from Apple Card after several people, including Apple co-founder Steve Wozniak, accused it of having a bias.

Problems with Apple Card, which is made in partnership with Goldman Sachs, first made their way to the surface when programmer and author David Heinemeier Hansson posted a twitter thread accusing it of sexism.  He wrote that it approved him of a higher limit than his wife.

According to Hansson, even after his wife paid off her card in full, she was not allowed to spend until the next billing period.

He initially said that customer service was overall unhelpful when trying to address the problem. One day after posting his thread, however, he followed up to say that his wife’s limit was bumped up.

As for his wife’s experience with Apple, he says she spoke to two representatives. He claims that the first said it was not discrimination and blamed it on the algorithm.

The second encouraged his wife to check her credit score again. Hansson and his wife both ended up checking their scores and learned that his wife actually had a higher score than he did. 

He continued to share his frustrations with this algorithm and its lack of transparency.

Steve Wozniak and Others Back Up the Claim 

Once this thread blew up, many others said they had experienced a similar problem.

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Apple co-founder Steve Wozniak, who now holds a ceremonial role at the company, also replied to Hansson. Wozniak said his wife got ten times less than he did, despite them having shared assets and accounts. 

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He also said his wife had difficulty with customer service, and could not use her card after paying it off as well.

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In a Sunday interview with Bloomberg, Wozniak elaborated on his concerns about Apple Card and the algorithm behind it. 

“These sorts of unfairnesses bother me and go against the principle of truth. We don’t have transparency on how these companies set these things up and operate,” he told the outlet. “Our government isn’t strong enough on the issues of regulation. Consumers can only be represented by the government because the big corporations only represent themselves.”

“Algos obviously have flaws,” he added. “A huge number of people would say, ‘We love our technology but we are no longer in control.’ I think that’s the case.”

Goldman Sachs and New York’s DFS Respond

While some did respond to both Hansson and Wozniak saying they did not experience this, tweets accusing Apple Card of gender bias blew up, prompting several responses. 

Goldman Sachs released a statement on Sunday saying that, “In all cases, we have not and will not make decisions based on factors like gender.”

“With Apple Card, your account is individual to you; your credit line is yours and you establish your own direct credit history,” the statement read. “Customers do not share a credit line under the account of a family member or another person by getting a supplemental card.”

They also said that applications are evaluated independently, looking at things like income, credit score, and debt management.

Linda Lacewell, the Superintendent of the New York State Department of Financial Services said she would be looking into the matter. 

“We will work to investigate what may have gone wrong, and if the algorithm used by Apple Card did indeed promote unlawful discrimination we will take appropriate action,” she wrote in a Medium post on Sunday. “But this is not just about looking into one algorithm — DFS wants to work with the tech community to make sure consumers nationwide can have confidence that the algorithms that increasingly impact their ability to access financial services do not discriminate and instead treat all individuals equally and fairly no matter their sex, color of skin, or sexual orientation.”

She encouraged consumers who have been affected by this, as well as tech leaders who have commentary on it, to reach out to New York’s DFS.  

See what others are saying: (Business Insider) (The Verge) (Bloomberg)

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Tinder Plans to Roll Out Panic Button and Other Safety Features

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  • The popular dating app Tinder plans to unveil new in-app safety features for users who feel threatened during face-to-face meetups.
  • Match Group, Tinder’s parent company, is investing in a safety platform called Noonlight, which tracks users’ locations and alerts local authorities if any issues arise. 
  • The safety tools are free to use and will be introduced to U.S. Tinder users at the end of the month.
  • Match Group’s other dating apps will see the new features later this year.

Tinder’s New Features

Tinder is planning to add free in-app safety features for users whose dates go awry, including a panic button that can be pressed if something goes wrong, security check-ins, and an option to call authorities if needed.

Match Group, Tinder’s parent company who also owns Hinge and OkCupid, is making these features possible by investing in the safety platform Noonlight. Noonlight tracks users’ locations and alerts local authorities if any concerns arise.

“I think a lot about safety, especially on our platforms, and what we can do to curtail bad behavior,” Match Group CEO Mandy Ginsberg told The Wall Street Journal, who first reported the story. “There are a lot of things we tell users to do. But if we can provide tools on top of that, we should do that as well.”

Prior to in-person dates, Tinder users will have the option to manually enter information into a tool linked to Noonlight, such as details about the other party and times.

Source: The Wall Street Journal — Tinder

If at any point a user feels unsafe, they can press the alert button. Noonlight will then send a code for the user to enter. If the code isn’t entered, Noonlight will send a text. If the text goes unanswered, Noonlight will call the user. If the call is not answered or if the user confirms that they need assistance, Noonlight will alert local authorities and share the information previously entered with them, as well as the user’s location. 

Once the Noonlight tool is instated, Tinder users will also be able to add an emblem to their profiles to indicate the additional protection they have opted to take. 

The new security measures will be introduced to U.S. Tinder users at the end of January, while other Match Group dating apps will see the features in the next few months. 

Tinder is also currently testing a feature aimed to eliminate “catfishing” in which users will be required to take photos in certain poses to prove that they look like the images they upload. Profiles that pass the test will have a blue checkmark to indicate they were verified.

New Wave of Safety for Tech Platforms

While Tinder has previously monitored abusive language and images via in-app conversation, this is the first move it has taken to play a hand in regulating in-person interactions once users decide to meet up. 

This step comes after multiple cases of sexual assault and other crimes that users have traced back to relations made through the app. 

The dating app is following the lead of other platforms like Uber and Lyft, who have both rolled out additional security features in the wake of criticism for not doing enough to protect users from safety threats.

See what others are saying: (Wall Street Journal) (CNN) (The Verge)

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Facial Recognition Technology on College Campuses

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Facial Recognition Technology, better known by its acronym, FRT, has been a hot topic for nearly a decade. Most fields have some form of FRT from Taylor Swift using it to identify stalkers at her concerts to police making quicker arrests by matching faces of suspects to a database of mugshots. All forms of FRT have one way or another been contested, but some of the most controversial places that it’s being used are college campuses. 

Recently, an anti-FRT group named Fight for the Future launched the largest nation-wide student campaign to demand that universities never use FRT on their campuses. There are multiple reasons why people love and despise FRT and in this video, we’re going to show you both sides of the argument and why it’s so controversial to use on college campuses. 

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Angled Toilet Designed to Shorten Employees’ Bathroom Breaks Met With Criticism

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  • A British company, StandardToilet, has filed a patent for a toilet fixture designed with a downward-sloping seat. 
  • The product is meant to be uncomfortable to sit on for more than five minutes, in an effort to reduce bathroom breaks and increase employee productivity.
  • StandardToilet also says their product will reduce bathroom lines in public spaces and serve better for people’s health.
  • The company’s idea has been supported by some, but largely slammed by others who claim it promotes an unhealthy expectation of workplace productivity and is inconsiderate to a range of users with differing needs.

A New Type of Toilet

A British startup has developed a toilet designed to be uncomfortable to sit on for longer than five minutes in an effort to increase workplace productivity.

StandardToilet has filed a patent for a toilet fixture with a seating surface sloped forward between 11-13 degrees. The company claims that this design will decrease the time that employees spend taking bathroom breaks, thus allowing them to devote more minutes to work. 

“In modern times, the workplace toilet has become private texting and social media usage space,” StandardToilet says on their website.  

The company estimates that about £16 billion ($20.8 billion) are lost annually to the time that people are spending using the bathroom at work in the U.K. They claim that reducing time spent sitting on the toilet will save about £4 billion of that sum. 

Mahabir Gill, the founder of StandardToilet, told Wired that sitting on the angled fixture for more than five minutes will cause strain on the legs, but “not enough to cause health issues.”

“Anything higher than that would cause wider problems,” Gill said. “Thirteen degrees is not too inconvenient, but you’d soon want to get off the seat quite quickly.”   

StandardToilet says that in addition to increasing employee productivity, their design will shorten bathroom lines in public places such as shopping malls and train stations.

They also claim studies have suggested that flat-surfaced toilets used now can cause medical issues, like swollen haemorrhoids and weakening of pelvic muscles. The company says its product can reduce musculoskeletal disorder “through promoting the engagement of upper leg muscles.”

Response to StandardToilet

While news of the proposed time-saving toilet has been supported by some, like the British Toilet Association (BTA), an organization that campaigns for better toilet facilities, it was also largely met with criticism. Jennifer Kaufmann-Buhler, an assistant professor of design history at Purdue University in Indiana, expressed that the idea is a bit controlling. 

“In an office, the one space you have where you can find privacy is often the toilet,” Kaufmann-Buhler told Wired. “So, god forbid that we want to make the one place where workers should have at least some autonomy – the toilet – another place where people impose the very capitalist idea that people should always be working.”

Kaufmann-Buhler’s sentiment was echoed across Twitter, where people were upset by StandardToilet’s motive.

Others pointed out the discomfort StandardToilet’s design would bring to those with physical disabilities.

The company told HuffPost in an email that the product isn’t designed to take the place of toilets for people with disabilities. StandardToilet’s website also notes that another benefit of the slanted toilet is “reduction in overspill usage of disabled facilities.” 

Nadine Vogel is the CEO of Springboard Consulting, a company that works with other businesses on how to serve workers with disabilities. She noted to HuffPost that there are other kinds of hindrances that might justify more time in the bathroom.

Vogel brought up examples of diabetic people testing their glucose levels or others simply needing a break for their mental health.

 “The fact that the concern is extended employee breaks ― well, what about people that have some kind of mental health situation that actually need that kind of longer break?” Vogel said.

See what others are saying: (Business Insider) (Guardian) (Wired)

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