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Huh, N26, a major online bank in Europe is famous for some of its customers getting their accounts blocked every time they tweak their ML model and yet is doing great financially dispite the shitstorm it generates each time.

It's not like Google blocking your email or YouTube account, we're taking about your friggin bank account here.

I don't know how they're still in business and growing with such a process in place.



I’ve found that financial institutions have a disproportionately large appetite for this. This is frankly because they view their own mission criticality as somewhat low — lower even than their customers perceive it.

Undoing bad automation in finance often means reversing a very cheap edit on some database and pissing off a customer who’s so powerless that it won’t affect your business anyway.


You are conflating growth with financial success. N26 is still losing money. A company that gives away candy can easily achieve massive growth.

I doubt its customers are generally aware of the AI issue, or if they are, they must assume it is not out of the ordinary.


> yet is doing great financially

they might have a high valuation, but thats about all the financial success they have.


> N26... is doing great financially.

Are they?


Not working directly in the field, but i believe ML for fraud detection is very common nowadays..


Yeah but usually the bank just buys package solution with some customization for accessing the data & reporting, so they don't have to keep up the army of very narrowly specialized folks catching up with ever changing laws etc.




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