Please do this case study as soon as possible

Q4. This case study requires you to analyze the given situation: Ted and Suzy are a married couple. They are applying for a business loan to help them realize their long-held dream of owning and operating a restaurant. They are both in their 30's. Ted is a highly promising graduate of a prestigious culinary school, and Suzy is an accomplished accountant. They share a strong educational background and entrepreneurial desire to be on a leadership role and with the help of other consultants which have reviewed their business plan and assured them that they have a very promising restaurant concept and the skills needed to implement it to start the business. For evaluating loan applications, Ted and Suzy's local bank successfully. The consultants tell them they should have no problem getting a loan loan officer relies on the software that synthesizes a wide range of data profiles from to disclose on their loan application. Some of this information is clearly relevant to information about Ted and Suzy's lives that goes well beyond what they were asked hundreds of loan applications from private data brokers. As a result, it has access to algorithms is of the sort that no loan officer would normally require or have access the application, such as their credit history. But a lot of the data used by the software inferences about their racial background, and inferences from their drugstore to such as: including data about the books they read and the movies they watch, purchases about their likely medical histories. Some days later, Ted and Suzy got a call from the loan officer saying their loan was not approved. When they ask the reason for rejection, they were told simply that the loan system rated them as 'moderate-to-high risk.' Then they ask for more information, the loan officer says he doesn't have any, and that the software company that built their loan system software will not reveal any specifics about the algorithm or the data it is trained on. They both ask if they can appeal the decision, but they are told that there is no means of appeal, since the system will simply process their application again using the same algorithm and data, and will reach the same result. Questions: a) What are some of the ethical benefits that banks can consider using big data to evaluate customer's loan application? b) With the denial of the loan of Ted and Suzy, discuss at least their ethical harms that they both have suffered as a result of bank loan application process? c) In your opinion is the algorithm the bank is using is biased or not? If it is biased, give some suggestions to the software making company so that they can improve the algorithm's decision? d) In your opinion, write some ethical ways that can be used by banks in general to process the customer's loan application