That wasn't intended to be editorializing or picking a sensational detail. Rather, I found that to be the most relevant point and believed that it would be most salient to HN. I certainly wouldn't call it fabrication; it explicitly states that this data could be used to qualify many people for better credit, doubtless via some credit score system or similar. I think this quote best lays out that position:
> Recent research documents that, once powered by artificial intelligence and machine learning, these alternative data sources are often superior than traditional credit assessment methods, and can advance financial inclusion, by, for example, enabling more credit to informal workers and households and firms in rural areas.
Where "these alternative data sources" includes digital habits such as browsing history.
Edit: I would suggest "IMF researchers find that digital footprint yields better credit assessment" as an alternative. These aren't fintech data sources inherently; they've been used for advertising for years.
> Recent research documents that, once powered by artificial intelligence and machine learning, these alternative data sources are often superior than traditional credit assessment methods, and can advance financial inclusion, by, for example, enabling more credit to informal workers and households and firms in rural areas.
Where "these alternative data sources" includes digital habits such as browsing history.
Edit: I would suggest "IMF researchers find that digital footprint yields better credit assessment" as an alternative. These aren't fintech data sources inherently; they've been used for advertising for years.