This isn't a good example because the technology already exists to deliver this service to lenders - read up on Canadian Tire's JP Martin. He did the first exp

This isn't a good example because the technology already exists to deliver this service to lenders - read up on Canadian Tire's JP Martin. He did the first experiments with rewards-credit-cards and data mining, and found he could pretty-well correlate certain behaviors with missed credit-card payments. Apparently there's a dive bar in Montreal that indicates you're a screw-up if you drink there.