Why it matters
Analysis: distinguish the relative conversion increase from a percentage-point approval gain. Evaluate the incremental loans, customer mix, pricing, duration and repayment maturity—not just a headline model metric. The new deep dive separates predictive lift from the economics and governance of the decision.
What remains uncertain
The results and explainability claims are company-reported. Public materials do not provide an independent audit or enough information to reproduce lifetime profitability and subgroup outcomes.