Computer says, 'yes'

In Little Britain, the world-weary character Carol Beer responds to all customer enquiries by clacking into her PC keyboard, glancing at the results shown on screen, and nasally intoning: "Computer says, 'no'". It does however severely underplay the current real-world situation. In reality the computer often says'no' these days without any need for a Carol Beer to input data or to even speak to the customer. Small computer programmes are used to cut out the middle-human. The chances are that if you were to apply for a loan or a credit card online today, behind the scenes a computer is working its way through an algorithm, whirring away in a split-second to decide whether your application will be successful by classifying you as'low risk' (computer says, 'yes') or as'high risk' (computer says, 'no').