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>Citing soft-data points like “the type of browser and hardware used to access the internet, the history of online searches and purchases” that could be incorpo

>Citing soft-data points like “the type of browser and hardware used to access the internet, the history of online searches and purchases” that could be incorporated into evaluating a borrower, the researchers believe that when a lender has a more intimate relationship with the potential client’s history, they might be more willing to cut them some slack. So this https://www.washingtonpost.com/posteverything/wp/2014/11/03/if-you-use-a-mac-or-an-android-e-commerce-sites-may-be-charging-you-more/ https://www.washingtonpost.com/posteverything/wp/2014/11/03/... https://www.techlicious.com/blog/price-discrimination-by-operating-system-device/ https://www.techlicious.com/blog/price-discrimination-by-ope... But for your entire credit history? Sounds pretty awful to me.

thedrbrian 6y ago
Sounds like social credit.
- grawprog 6y ago
  I don't think social credit is enough to describe what this and other proposals like this are. It doesn't go far enough. This isn't social credit. It's life credit or maybe existence credit. You're gaining or losing credit from merely the way you exist or live. It's essentially a hidden tax on life itself and everything you do. Every thought, belief, action, piece of information you read, media you consume, basically every single thing you do will have some kind of value placed on it. In my opinion, this goes far beyond social credit.
  - bassman9000 6y ago
    Social credit is life credit. https://en.wikipedia.org/wiki/Social_Credit_System https://en.wikipedia.org/wiki/Social_Credit_System
kaneua 6y ago
> researchers believe that when a lender has a more intimate relationship with the potential client’s history, they might be more willing to cut them some slack Is it a comedy writing? Lender can't have "a more intimate relationship" with anything because today it's a computer. Automated sociopath.

thedrbrian 6y ago

Sounds like social credit.

grawprog 6y ago
I don't think social credit is enough to describe what this and other proposals like this are. It doesn't go far enough. This isn't social credit. It's life credit or maybe existence credit. You're gaining or losing credit from merely the way you exist or live. It's essentially a hidden tax on life itself and everything you do. Every thought, belief, action, piece of information you read, media you consume, basically every single thing you do will have some kind of value placed on it. In my opinion, this goes far beyond social credit.
- bassman9000 6y ago
  Social credit is life credit. https://en.wikipedia.org/wiki/Social_Credit_System https://en.wikipedia.org/wiki/Social_Credit_System

kaneua 6y ago

> researchers believe that when a lender has a more intimate relationship with the potential client’s history, they might be more willing to cut them some slack Is it a comedy writing? Lender can't have "a more intimate relationship" with anything because today it's a computer. Automated sociopath.