Non-traditional credit-worthiness data is mostly only possible in China at this stage. Looking at the Fico XD score which enhances the traditional credit bureau

Non-traditional credit-worthiness data is mostly only possible in China at this stage. Looking at the Fico XD score which enhances the traditional credit bureau score with Lenddo information is quite a game-changer in terms of banking for the non-banked. There will be people like "Mr. Bai" who start to gamble with this system and fail. But these people exist everywhere.