Let's change the game. You can allocate an investment to either of two banks. When building credit scoring models, one bank has access to just FICO scores, the other bank also has access to FICO scores in addition to behavioral and signature data. Which bank do you allocate your cash to?
Now change the game so FICO is unavailable: For instance, when micro-lending to third-world country entrepreneurs. Do you still feel these digital signatures are irrelevant to making better credit risk decisions?
Now change the game so FICO is unavailable: For instance, when micro-lending to third-world country entrepreneurs. Do you still feel these digital signatures are irrelevant to making better credit risk decisions?