Loan application tool experiment

Your answers are highly valuable to us. Thank you for your cooperation.
Automated decision making is becoming increasingly common in fields such as banking and insurance. This study investigates how customers perceive automated decisions.
We will present you a loan application scenario. You will be directed into one of four scenarios. Please read the scenario carefully and imagine yourself in the described situation. We wil ask you a few questions related to the scenario.The whole experiment takes roughly 15 minutes.
Your responses will be handled and stored by University of Turku. All results will be reported completely anonymously. This experiment is a part of the Artificial Intelligence Governance and Auditing project.
For more information, contact Samuli Laato (, assoc. professor Matti Mäntymäki ( or assoc. professor Najmul Islam (
Click here to start (you will be redirected to the AIGA experiment page).