My essay topic is “Financial services in the “scored society” loans and credit a


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My essay topic is “Financial services in the “scored society” loans and credit as you can see below for topic options, These are all the instructions for the essay and what should be included! Our audience today includes machines: The machines parse out the data we provide, running selfies through facial recognition software, our health data through risk indication analyses, and send the results on to marketers, employers, insurers or governments.”
-Jill Walker Rettberg
Jill Walker Rettberg’s image of machines collecting data on us and delivering it into the hands of those who may have ulterior motives may strike some of us as paranoid and dystopian. But what if this image is not an exaggeration? Perhaps she is simply describing the reality of our everyday situation within algorithmic culture. In this essay, you will investigate a problem related to one of Module 2’s topics (select ONE): Video games, personal identity, and discrimination
Big Data Policing in the US
Migration, Borders, and Surveillance Technology
Financial Services in the “Scored Society”: Loans and Credit
Microtargeting in Politics/Voting
Your paper will be an outline of the larger scope of your problem. Through your research you will attempt to answer some, if not all, of the following questions: What is this problem? How, when, and where did it emerge? Who/what is responsible? Who is benefiting (cui bono?) from this problem and who is suffering? Last, do you think anything is being done or can be done to resolve the issue? Your genre is a college-level, academic essay. In college, it is the standard form for communicating that you have read assigned materials and, more importantly, thought about those materials in depth. Your audience is made up of your college peers and instructors. But bear in mind: college essays in one class ought to be developed into longer, publishable materials in a more advanced class. So don’t delete these essays at the end of the term. Keep working on them! One day, this might be your master’s thesis. Purpose: The purpose of outlining a problem could not be more important. Consider this: If someone wants to resolve this problem, they will need funding, but to convince funders, they will need to cite research that demonstrates that the problem really is, in fact, a problem. So your job is to DEMONSTRATE that this problem is really a problem, where it comes from, who suffers, and who benefits. Your purpose is NOT to solve the problem. Save solutions for a different project (that said, you might entertain some solutions towards the end of the essay or in your conclusion, thereby answering the question, “what is being done to address the problem?”, but this is NOT an expectation for this assignment).
Moreover, we should not merely accept algorithmic culture simply because it is already present. It was not present a mere two or three decades ago. And why should we assume that just because an app, website, or system is in place, that it is fair, just, or unbiased? But it is up to researchers and writers, like yourselves, to uncover how these digital phenomena are contributing to the inequities of the world. Learning Outcome:
Write texts that demonstrate awareness of audience, purpose, and genre across multiple communities and contexts.
Argue a position that includes a claim, position, or response and engages at some point with a textual, visual, or audio source.
Read, summarize, quote, paraphrase, analyze and document a variety of complex written and visual texts.
Directions: 1) Read ONE of the assignment articles that corresponds with your topic (below)
Kishonna L. Gray (2018) “Gaming Out Online: Black Lesbian Identity Development and Community Building in Xbox Live,” Journal of Lesbian Studies, 22 no. 3, 282-296.
Ferguson, Andrew Guthrie. “Whom We Police: Person-Based Predictive Targeting,” in The Rise of Big Data Policing. New York: NYU, 2017, 34-61.
Latonero, Mark, and Kift, Paula. “On Digital Passages and Borders: Refugees and the New Infrastructure for Movement and Control.” Social Media Society 4.1 (2018): 1-11.
Tamara K. Nopper, “Digital Character in “The Scored Society”: FICO, Social Networks, and the Competing Measurements of Creditworthiness,” in Captivating Technology: Race, Carceral Technoscience, and Liberatory Imagination in Everyday Life, edited by Ruha Benjamin. Duke, 2019, 170-187.
O’Neil, Cathy. “ The Targeted Citizen: Civic Life,” Weapons of Math Destruction. The Crown Publishing Group, 2016, 179-97.
2. Research your problem. In addition to the above readings, find and analyze at least three news articles related to your topic. 3. Construct an introduction including the context, claim, conversation, and stakes (CCCS). See the SKILLS ACQUISITION page: “Writing an Introduction.”
4. Develop your line of inquiry by using the dialectical method in the body of the paper.
See the SKILLS ACQUISITION page: “Writing the Body of the Essay (dialectical method).”
5. Engage and reflect. Incorporate evidence into your body paragraphs and follow the three-step process of 1) introducing evidence, 2) quoting evidence, and 3) explaining or reflecting on evidence.
6. Conclude your inquiry. See the SKILLS ACQUISITION page: “Writing a Conclusion”
7. Include a works cited page.
See the SKILLS ACQUISITION page: “Writing a Bibliography”
8. Embolden places where you believe you are making appeals to logos and kairos. You only need to find ONE example of EACH rhetorical appeal in your essay. It is important that you embolden each rhetorical appeal. Even if you make these rhetorical appeals, you must embolden them so that you demonstrate that you know WHEN you are making these rhetorical appeals. Last, add a parenthetical at the end of the sentence you embolden indicating which rhetorical appeal you are identifying, e.g., (appeal to logos).

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