Just as some people are starting to fear whether driverless cars will do us more harm than good, there's a growing concern that the use of artificial intelligence — letting software and machines make decisions rather than people — could lead to legal and ethical problems in financial services.

Letting a software program decide on its own who may obtain a checking account, who can get a loan, and what rates they should be charged, could have unintended consequences that include people being excluded from mainstream finance.

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