If American creditors are materially interested in efficient ways of modelling customers, and so are Chinese creditors, eventually they should converge on techn

If American creditors are materially interested in efficient ways of modelling customers, and so are Chinese creditors, eventually they should converge on technique after having tested and eliminated more superstitious predictors. Basically, if social network analysis helps creditors, then it will be done unless the state or some external force provides sufficient counter-incentive.