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Joanne Atkinson is a Principal Lecturer at Portsmouth Law School, United Kingdom. Her research focuses on commercial law and consumer protection, specifically the regulation of consumer credit. In this talk, Catalin and Joanne discuss the requirement of creditworthiness assessment and the issues posed by the use of AI in predicting future behavior of consumers. Is the use of AI beneficial for consumers? Is there too much intrusion? Is there too much data? What problems are posed by the lack of transparency surrounding the use of AI in consumer credit? How can these challenges be addressed and solved? Answers in the podcast.