RGI broke its AI model into phases to do away biases and cross-checked it in the end when humans take the final decision with the help of AI and data. PayPal focuses on human supervision during the first phases of learning where machine intelligence decisions were scrutinised for bias, inclusion, fairness, etc. PayU ensured that the models do not use any data which can creep biases of gender, religion, political belief, etc. in determining the credit line.