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- Hmm... i would like to further my studies... maybe Australia is a good choice?
- AT the bank the same evening
- Hello maam, I would like to apply for a students loan for my university
- Hello, sure thing! we will look at your past records and see if u are applicable to apply for it!
- we would need you to submit some documents so that we can verify your credibility.
- Cashflow data, behavioral data,social network information
- submit
- Jane has just graduated from polytechnic and wants to apply to a overseas university.
- Jane Tang
- Hmmm, she has friends that have applied for loans in this bank too... and she has a strong presence online...
- Jane goes to the bank to apply for the loan#160;
- utility bill
- PAID
- She is also currently unemployed... and has no prior obligations to the bank... however...
- Jane goes home and submits the online application#160;
- Cxxxx bank: Loan approved#160;
- OMG! My loan just got approved now I can study abroad without worry!
- The employee at the bank checks janes online profile to evaluate her credibility.
- The employee is contemplating approving the loan#160;
- Janes loan was approved in the end!
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