Problem with utilizing datapoints like digital footprints is that it will run afoul equal credit opportunity act. ECOA was designed to stop banks from redlinin

Problem with utilizing datapoints like digital footprints is that it will run afoul equal credit opportunity act. ECOA was designed to stop banks from redlining neighbourhoods which usually punished minorities. With digital footprints, they'll be in theory redlining their digital including sites, products purchased etc.