Credit scoring

In January 2018 the Cyberspace Administration of China summoned representatives of Ant Financial Services Group, a subsidiary of Alibaba, to rebuke them for automatically enrolling its 520 million users in its credit-scoring system. The main complaint was that people using Ant's Alipay service were

In 2013, in collaboration with the Illinois Institute of Technology, the Chicago Police Department set up the Strategic Subjects List, an effort to identify the most likely victims and perpetrators of gun violence. In 2016, a report published by the RAND Corporation found that the project, which had

In May 2014 the Polish Ministry of Labor and Social Policy (MLSP) introduced a scoring system to distribute unemployment assistance. Citizens are divided into three categories by their “readiness” to work, the place they live, disabilities and other data. Assignment to a given category determines

A 2015 study by The Learning Curve found that although 71% of parents believe technology has improved their child's education, 79% were worried about the privacy and security of their child's data, and 75% were worried that advertisers had access to that data. At issue is the privacy and security

A new generation of technology has given local law enforcement officers in some parts of the US unprecedented power to peer into the lives of citizens. In Fresno, California, the police department's $600,000 Real Time Crime Center is providing a model for other such centres that have opened in New

In 2015, a small number of Silicon Valley start-ups began experimenting with assessing prospective borrowers in developing countries such as Kenya by inspecting their smartphones. Doing so, they claimed, enabled them to charge less in interest than more traditional microlenders, since many of their

In 2015, Ant Financial, a Chinese company affiliated with Alibaba, began deploying "Sesame Credit scores". Ant, which also runs the popular payment app Alipay, claims that it uses both online and offline purchasing and spending habits to calculate a credit worthiness score for each of its more than

In 2016, the US's third-largest property and casualty insurer, Liberty Mutual, announced it would partner with Subaru to enable drivers who have bought Subaru's Starlink infotainment system to download a car app that will notify them if they are accelerating too aggressively or braking too hard. The

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

Between 2010 and 2016, access control spyware implementing a remote "kill switch" was installed increasingly often in rent-to-buy laptops and cars financed by subprime loans. In a 2012 case the Federal Trade Commission settled with seven computer rental companies over their use of DesignerWare's