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They validate the accuracy of the model with real users, starting with short term/low value loans, to mitigate risk.

The explanation for them is - it works.




"How would you find out that it doesn't work? For a specific group of people for example?"


How do you find out that it doesn't work? Some loans default, company loses money on those. The model gets updated continuously from the real user data, so it learns from the mistakes




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