Automated Risk-Score Decision Diagram

Cheap No, Costly Exclusion

Refusing is cheap for the organization, costly for the individual
One risky label follows the applicant across life domains
Repeated automated refusals become an algorithmic prison

Probabilistic, Not Proven

The score is probabilistic: right on average, wrong in cases
Exclusion happens without proof of individual guilt
Lookalike features judge a person by others like them

Appeal Without Recourse

The applicant gets no real explanation for the refusal
The appeal channel is slow and reuses the same opaque score
An unanswered or upheld appeal leaves little real recourse