On the Rise of FinTechs – Credit Scoring using Digital Footprints

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BigTech and the changing structure of financial intermediation (2019, neutral): “17 Like FinTech credit platforms, BigTech firms may use alternative data sources including insights from ecommerce or social media activity (US Department of Treasury, 2016; Jagtiani and Lemieux, 2018a) and from users’ digital footprints (Berg et al., 2018).”
Consumers and Artificial Intelligence: An Experiential Perspective (2020, background): “For example, fintech companies increasingly use easily accessible digital information such as individuals registering on a webpage to predict their payment behavior and defaults and therefore judge their creditworthiness (Berg et al. 2020).”
Fintech Credit Markets Around the World: Size, Drivers and Policy Issues (2018, background): “…tend to assess a much wider array of data than other lenders typically do, including non-traditional sources such as information from online spending behaviour or social media (US Department of the Treasury (2016), Jagtiani and Lemieux (2018b)) as well as digital footprints (Berg et al (2018)).”