Neutralizing Structural Inequality in the Nigerian FinTech Sector

arXiv:2607.10317v1 Announce Type: new Abstract: Algorithmic decision systems in financial services often rely on data proxies that inadvertently encode structural inequalities. This paper introduces a hierarchical human-AI triage model for Point of Sale fraud detection in the Nigerian FinTech sector. Adopting a We Are All Equal worldview, we address the challenge of discrimination laundering, wherein the system misinterprets infrastructure related aleatoric noise such as rural network timeouts a...