Figure 7
A diagram illustrating the relationships between various factors affecting outcomes in a financial context. The diagram is divided into several sections: Antecedents, Mediators, Moderators, Outcomes, and Controls. Antecedents include internal factors such as bias, creditworthiness indicators, personal attributes, physical cues, and psychological traits, as well as external factors like bias, culture, loan characteristics, and market-level variables. Mediators are divided into internal and external biases. Moderators include internal factors like AI perceived use, bias, and personal attributes, and external factors such as AI system attributes and decision outcomes. Outcomes are categorized into internal fairness perception and external factors like credit risk, lending decision outcomes, loan performance, market performance, and model performance. Summary of quantitative variables. Source(s): Created by authors