Banker bot can't steal, it's a spreadsheet function

Business Insider: "Delinquency rates for subprime and near prime personal loans originated by fintech and finance companies were as much as double those originated by banks for recent vintages," UBS analysts wrote in a recent note. "This illustrates the point that nonbanks are making riskier loans, even when one normalizes for credit scores, relative to banks."
LendingClub has encountered a number of problems since its CEO, Renaud Laplanche, unexpectedly resigned in May.
His departure followed an internal investigation that found that the company had changed the dates on $3 million worth of loans sold to Jefferies in a "violation of the company's business practices along with a lack of full disclosure during the review," according to a statement.
Goldman Sachs and Jefferies, which had been buying LendingClub's loans and packaging and selling them as bonds to investors, have both stopped doing deals with the startup.

So we see that money corrupts, hence the need for algorithmic portfolio management.