Pathaka.ai
@PathakaAI
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Learn anything fast by turning it into a podcast with a simple prompt from you. 🟢 Try it now: https://t.co/9aCyuJHV1e
The world
Joined April 2021
AI is not just going to be integrated into the media. In a few years time it will BE the media. We're a group of technicians and former journalists. Here's how we believe this plays out. 🧵
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Found this thread interesting? Click to listen to the full podcast. https://t.co/fPrmg183eN
pathaka.ai
A two-dollar bar bet birthed the FICO score, a mathematical algorithm that transformed how we measure financial trust. What began as a quest to eliminate lending bias has become a powerful gatekeeper...
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The future? Some say blockchain will revolutionize credit scoring. Others warn we're heading toward a Black Mirror episode where every life decision gets a number 😰
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Today, startups are trying to fix this by scoring... Netflix habits and metro card usage? 🎬 Yes, binge-watching Bridgerton might actually affect your loan approval 😅
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Here's where it gets dark: That score now determines whether you can rent an apartment, get a job, or even a phone plan. It's become society's bouncer 🚫
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But the famous 300-850 credit score range didn't exist until 1989. By 1995, it became America's financial passport when mortgage giants made it mandatory 🏠
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It took until the 1970s Equal Credit Opportunity Act for banks to embrace the system. Not because the math was better - but because the law said "Stop being awful to women and racial minorities." 📜
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Plot twist: Banks HATED it at first. They didn't want 'machines' to tell them who was trustworthy. Their first clients? Mail-order catalogs selling... sweaters 🧥
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Finding this thread interesting? You can click to listen to the full podcast! https://t.co/fPrmg183eN
pathaka.ai
A two-dollar bar bet birthed the FICO score, a mathematical algorithm that transformed how we measure financial trust. What began as a quest to eliminate lending bias has become a powerful gatekeeper...
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Two mathematicians, Bill Fair & Earl Isaac, had a radical idea: strip out human bias completely. No more "I don't like your neighborhood" or "You don't look trustworthy." Just pure data. 📊
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Before this, loan officers would literally judge applicants by their shoes and zip codes. Imagine walking into a bank today and hearing "Sorry, those sneakers aren't fancy enough for a mortgage" 👞❌
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A $2 bar bet in 1956 San Francisco completely revolutionized how the world measures trust. That napkin math now controls 90% of US loans and gates everything from apartments to jobs 🤯 🧵 👇
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Is giving students 260 slides to read way too much or are they just lazy?
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@JacklouisP Loved the thread. We made you a podcast about it! The Hive Mind: How Kiva Robotics Revolutionized Amazon’s Warehouses,
pathaka.ai
In a Kentucky Amazon warehouse, tiny orange robots revolutionized logistics by transforming how inventory moves. Their radical solution would spark a global automation race that would redefine work...
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@shivmalik @PathakaAI Love the idea of a daily brief tailored to your interests. Sounds like a great way to stay informed without the noise. I'll appreciate a follow back friend.
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Experimenting with a daily brief format in @PathakaAI. Would you like to get one of these each day based purely on your interests ? I set my preferences as ancient history, UK politics, and small modular reactors - so fairly niche! This is what I got (sound on 📢📢).
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RFK’s actions as Sec State for health has got commentators comparing him to Lysenko. But who was Trofim Lysenko? https://t.co/VrZHDQPHmi
pathaka.ai
In the chilling saga of Trofim Lysenko, science became a weapon of political control, where ideology trumped evidence and an entire nation's biology was rewritten to fit a dictator's vision. This is...
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