The assumption, that modern, complex models automatically outperform older, simpler ones, still permeates many organisations and decision-makers. Niklas will show analytically (using Bias-Variance Trade-Off and the interpolation threshold) when this holds true and when simple, transparent models perform as well or better than the most sophisticated modern AI tools. He will showcase how he used this approach to design a new, fully transparent, high-performance credit score with the Schufa Holding AG.