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Content Type: Long Read
Photo by Nadine Shaabana on Unsplash
Digital identity providers
Around the world, we are seeing the growth of digital IDs, and companies looking to offer ways for people to prove their identity online and off. The UK is no exception; indeed, the trade body for the UK tech industry is calling for the development of a “digital identity ecosystem”, with private companies providing a key role. Having a role for private companies in this sector is not necessarily a problem: after all, …
Content Type: Examples
Because banks often decline to give loans to those whose "thin" credit histories make it hard to assess the associated risk, in 2015 some financial technology startups began looking at the possibility of instead performing such assessments by using metadata collected by mobile phones or logged from internet activity. The algorithm under development by Brown University economist Daniel Björkegren for the credit-scoring company Enterpreneurial Finance Lab was built by examining the phone records…