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- it's kind of frustrating that there are limitations to credit lending overseas#160;
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- you mean credit evaluation? yea. for those going on holiday trip and wants to borrow money, there are alternative data that can be used for credit evaluation.
- but is it really ethical to use alternative data? and also what are the ethical considerations for the collection and use of alternative data overseas?
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- because you're overseas,#160; the 5Cs of credit such as character, capital, capacity, condition and collateral may not apply
- yea I agree, using mobile app data, social profile data is a little bit of invading your privacy as it does not necessarily determine your credit. transaction data relates more to your financial spendings etc, which like you said is more reliable as a metric of alternative data for credit evaluation overseas for a holiday trip
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- I think that using transaction data is ethical, as transaction data is the most reliable data to use as compared to other forms of alternative data#160;
- I think that for people to trust the use of alternative data, there needs to be a secured mode of sharing alternative data, as well as authorized personnel to facilitate the process
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- definitely! the platform used to send these alternative data#160; also needs to be safe, secured, and verified
- train is here kids! say goodbye to auntie!
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- bye auntie!
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