Apple Card 才剛推出，何以會引起男女不平等的歧視問題？
連紐約金融服務部亦要展開調查！
男女平等是大家一直追求的理念，特別是近年女權運動盛行，大家對這些議題都非常敏感。而一向以創新意念見稱的 Apple 近日竟然也混入了性別歧視的問題中，全因今年推出的全新服務 Apple Card！
於稍早前推出的 Apple Card 改變大家一直以來使用信用卡的體驗，除了體實卡設計簡約精美外，就連安全性也很高，因此一推出就立即成為一眾 Apple 改戶爭相申請的信用卡。然而，早前有 Apple Card 的用戶於 Twitter 上分享使用時所遇到的問題，David Heinemeier Hansson 指自己跟妻子一同申請 Apple Card，二人不論是收入，還是住所都相同，但 Apple Card 審批給他的信用額是他妻子的整整 20 倍，讓他難以置信。而當他向 Apple 職員查詢時，職員也只是有禮貌的回答並不存在性別歧視的問題，只是電腦的演算法。
The @AppleCard is such a fucking sexist program. 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.
— DHH (@dhh) November 7, 2019
I wasn’t even pessimistic to expect this outcome, but here we are: @AppleCard just gave my wife the VIP bump to match my credit limit, but continued to be an utter fucking failure of a customer service experience. Let me explain…
— DHH (@dhh) November 8, 2019
She spoke to two Apple reps. Both very nice, courteous people representing an utterly broken and reprehensible system. The first person was like “I don’t know why, but I swear we’re not discriminating, IT’S JUST THE ALGORITHM”. I shit you not. “IT’S JUST THE ALGORITHM!”.
— DHH (@dhh) November 8, 2019
這篇 Twitter 的貼文發佈後，不少 Apple Card 的用戶也表示有相類似的問題，包括 Apple 的聯合創辦人 Steve Wozniak 本人，而 Apple 亦已經回應會糾正這個電腦演算法的錯誤。可惜的是，紐約金融服務部已經宣布將會對 Apple 和替其發行 Apple Card 的高盛集團進行調查，確保所有消費者不論任何性別都能受到平等對待。
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.
— Steve Wozniak (@stevewoz) November 10, 2019
Same here my wife is a doctor, I haven’t worked in 5 years and my credit limit is $20,000 her is $4,800. She wanted to surprise me with the new Apple Watch and phone for both of us, price tag came out to $5,200. She had to put the rest on our AMX.
— shareProud (@shareproud) November 9, 2019
Just read this thread. My wife has a way better score than me, almost 850, has a higher salary and was given a credit limit 1/3 of mine. We had joked that maybe Apple is just sexist. Seems like it’s not a joke. Beyond f’ed up.
— Carmine Granucci (@whoiscarmine) November 9, 2019
