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Apple Card Under Probe for Sex Discrimination in Credit Limits

Customers can sign up for Apple Card in the Wallet app on their iPhone in minutes and start using it with Apple Pay right away in stores, in apps or online worldwide

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apple, software, updates, iOS
An Apple company logo is seen behind tree branches outside an Apple store in Beijing, Dec. 14, 2018. VOA

The New York Department of Financial Services has opened a probe into allegations of gender discrimination by Apple Card issuer Goldman Sachs while determining credit limits.

The investigation into the algorithm used to set credit limits for the Apple Card followed a series of tweets by entrepreneur David Heinemeier Hansson (known as DHH) about Apple Card.

“The @AppleCard is such a sexist programme. My wife and I filed joint tax returns, live in a community-property state, and have been married for a long time. Yet Apple’s black box algorithm thinks I deserve 20x the credit limit she does. No appeals work,” Hansson tweeted.

The complaint was seconded by none other than Apple co-founder Steve Wozniak. “The same thing happened to us. I got 10x the credit limit. We have no separate bank or credit card accounts or any separate assets. Hard to get to a human for a correction though. It’s big tech in 2019,” said Wozniak.

The New York Department of Financial Services confirmed on Saturday that it will investigate Apple Card, reports Market Watch.

Though Apple is yet to respond to the investigation into the card, media reports quoted a Goldman Sachs spokesperson saying: “Our credit decisions are based on a customer’s creditworthiness and not on factors like gender, race, age, sexual orientation or any other basis prohibited by law.”

Apple, smartphone
Customers walk past an Apple logo inside of an Apple store at Grand Central Station in New York, Aug. 1, 2018. VOA

Earlier, in his series of tweets, Hansson said: “Apple offers a credit card that bases its credit assessment on a black-box algorithm.

“Apple has handed the customer experience and their reputation as an inclusive organisation over to a biased, sexist algorithm it does not understand, cannot reason with, and is unable to control. When a trillion-dollar company simply accepts the algorithmic overlord like this…”

Launched with Goldman Sachs and Mastercard in August, Apple Card is both a digital and physical credit card that requires no number, CVV security code, expiration date or signature on the card.

Also Read: What Does The Death Of Abu Bakr al-Baghdadi Means For Terrorism in West And South Asia?

It comes with benefits like instant approval, zero fees on missing deadlines or going over the limit and daily cashback on purchases.

Customers can sign up for Apple Card in the Wallet app on their iPhone in minutes and start using it with Apple Pay right away in stores, in apps or online worldwide. (IANS)

Next Story

Latest Apple AirPods Pro May Completely Change The Way You Feel Sound

Through additional charges from the Wireless Charging Case, AirPods Pro deliver over 24 hours of listening time or over 18 hours of talk time

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AirPods Pro
What makes AirPods Pro outstanding is the active noise cancellation technology that uses two microphones combined with advanced software to continuously adapt to each individual ear and headphone fit. Pixabay

BY NISHANT ARORA

Wireless Bluetooth earphones have come a long way, apart from Apple AirPods Pro but sound quality and surrounding noise have kept audiophiles a bit wary of those to date.

Not anymore.

Apple has introduced significant improvements in newly-launched AirPods Pro where active noise cancellation and immersive sound technologies will turn serious listeners back to the world of true wireless audio experience.

If you are on AirPods, the next-generation AirPods Pro are completely going to change the way you listen to music or make calls.

At Rs 24,900 with an all-new lightweight, in-ear design, the device helps make phone calls, enjoy TV shows and movies, play games and interact with Siri.

Let’s wear these and see how it fares.

What makes AirPods Pro outstanding is the active noise cancellation technology that uses two microphones combined with advanced software to continuously adapt to each individual ear and headphone fit.

You cannot hear anything around in the background (not even the doorbell, mind you) when the feature is turned on, leaving you to focus on what you’re listening to.

There is marvellous engineering behind this experience.

The first microphone is outward-facing and detects external sound to analyse environmental noise.

AirPods Pro then create an equivalent anti-noise that cancels out background noise before it reaches the listener’s ear.

A second inward-facing microphone listens toward the ear, and AirPods Pro cancel remaining noise detected by the microphone.

AirPods Pro
Apple has introduced significant improvements in newly-launched AirPods Pro where active noise cancellation and immersive sound technologies will turn serious listeners back to the world of true wireless audio experience. Pixabay

Noise cancellation continuously adapts the sound signal 200 times per second, says the company.

In case you are travelling in Delhi Metro, switching to Transparency mode will help you simultaneously listen to music while still hear the announcement about the upcoming station.

Transparency mode ensures that your own voice sounds natural while audio continues to play perfectly.

Switching between Active Noise Cancellation and Transparency modes is simple and can be done directly on AirPods Pro tapping on a force sensor on the stem.

The force sensor also makes it easy to play, pause or skip tracks, and answer or hang up phone calls.

The next big improvement is superior sound-quality with “Adaptive EQ” technology.

It automatically tunes the low- and mid-frequencies of the music to the shape of an individual’s ear — resulting in a rich, immersive listening experience.

A custom high-dynamic range amplifier produces pure, incredibly clear sound while also extending battery life, and powers a custom high-excursion, low-distortion speaker driver designed to optimise audio quality and remove background noise.

After placing AirPods Pro in each ear, advanced algorithms work together with the microphones in each AirPod to measure the sound level in the ear and compare it to what is coming from the speaker driver.

In seconds, the algorithm detects whether the ear tip is the right size and has a good fit, or should be adjusted to create a better seal (each device comes bundled with 3 ear tips for you to choose from).

Apple has also created the “Ear Tip Fit Test” so that you can test the quality of ear tip seal and identify the best ear tip size.

To start the test, place AirPods in both ears, go to Settings > Bluetooth > AirPods > Ear Tip Fit Test.

The setup experience that customers love with AirPods extends to AirPods Pro. Just open the charging case near an iOS or iPadOS device and give it a simple tap.

Press force sensor once to play, pause, or answer a call, press twice to skip forward, press three times to skip back.

Press and hold to switch between Active Noise Cancellation and Transparency mode.

On the battery front, AirPods Pro features the same great battery life as AirPods.

In Active Noise Cancellation mode, AirPods Pro delivered more than five hours of listening time. The talk-time is up to three and a half hours on a single charge.

AirPods Pro
AirPods Pro then create an equivalent anti-noise that cancels out background noise before it reaches the listener’s ear. Pixabay

Through additional charges from the Wireless Charging Case, AirPods Pro deliver over 24 hours of listening time or over 18 hours of talk time.

You can order the standalone wireless charging case for Rs 7,500.

With audio sharing, you can listen to the same song or watch the same movie with a friend or a family member by simply bringing a second pair of AirPods close to iPhone or iPad.

Conclusion: It is an obvious choice over plenty of other options like Echo Buds or Samsung Galaxy Buds (no noise-cancelling here).

ALSO READ: Apple Removes Vaping Apps from its App Store

Also sweat and water-resistant for your exercise and fitness routine, AirPods Pro redefines the whole ein-ear’ experience.

It is time to listen to your own inner silence. (IANS)