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Content type: Examples
In October 2018, the Singapore-based startup LenddoEFL was one of a group of microfinance startups aimed at the developing world that used non-traditional types of data such as behavioural traits and smartphone habits for credit scoring. Lenddo's algorithm uses numerous data points, including the number of words a person uses in email subject lines, the percentage of photos in a smartphone's library that were taken with a front-facing camera, and whether they regularly use financial apps on…
Content type: Examples
In February 2019 Google engineers announced that they had created faster, more efficient encryption system that could function on less-expensive Android phones that were too low-powered to implement existing full-device encryption. The scheme, known as Adiantum, uses established and well-vetted encryption tools and principles. Android has required smartphones to support encryption since 2015's version 6, but low-end devices were exempt because of the performance hit. It will now be up to device…