AI Governance · Financial Services
SCHUFA C-634/21
EU court: if a score determines the outcome, the score is the decision
You Rejected the Loan — But Do You Know Why?
Automated lending decisions are fast and scalable, but increasingly hard to explain. When an applicant asks why their loan was rejected months later, most systems can only reassemble a plausible story from fragments — not retrieve the original event. This case study examines why reconstruction fails and what a decision record would change.