Do you actually prefer being judged by a person who hates you over a machine that does not care? This question makes people uncomfortable. Most people say they want a human touch. They believe a human can see their unique situation. They think a person can understand why a bank statement looks the way it does.
This belief is common. It is also a mistake that costs people their homes.
The Four-Minute Fallacy
A landlord sits at a desk in Business Bay. He has a rental application in his hand. He looks at the name on the paper. He looks at the nationality. He remembers a tenant he had . That tenant was from the same country. That tenant left without paying the final bill. The landlord decides this new applicant is a risk. He rejects the application in four minutes.
The landlord thinks he is being wise. He thinks he
