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What is Social Network Data in Credit Scoring about?

This document analyzes the impact of using social network data in credit scoring, focusing on the accuracy of customer scores and the formation of social ties among consumers. The study finds that while network-based scoring can improve accuracy, it may also lead to social fragmentation and discrimination among consumers, particularly affecting low-income individuals. The implications for management and public policy are discussed, highlighting the potential for both benefits and drawbacks of social credit

Author

Chrysanthos Dellarocas

Language

EN