Banks do practice scoring of customers before deciding on loan amount to approve. race is just one of the many factors. Your own individual historical payment, current loan amount, outstanding, credit cards etc is also taken into account.

actually, the scoring of race alone is just a tiny fraction of all other things. they have SO many factors to consider. and at the end of the day, these scoring factors are calibrated from time to time based on data of customer default etc.

can also say banks prefer applicants who work in stable industries or certain jobs (fixed income rather than commission based) as well but it's not about being discriminatory.

So it's not racism

This.

Keep thinking what organizations are doing collecting racial profile data? U think they have hidden agenda? Think again....

Marketing products better la. How to sell ads for loans for chinese better? Use chinese language and products that they will usually apply for -> based on data, maybe they click through more for vacation ads?

Malay community are easier to persuade with BM ads. And maybe they are likely to click on ads targeted during raya that talk about furniture and baju raya


Keep your mind out of the gutter. If you think it's a racist thing, you're just making lazy assumptions all the time and just give up on improving your own capabilities. The profiling is INDIVIDUAL BASED at the end of the day. your own full record of CCRIS, current and past loans are taken into account.