Brilliant because it is virtually guaranteed to be predictive of low default rates, given one IDs a legit profile.
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Problematic because the mechanism by which this is predictive is "Thank you for presenting hard-to-fake evidence that you're middle class."
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@patio11 The bit I find most interesting is extending credit based on *how long it takes you to remember your SSN*. -
@cperciva I once had an anti-spam algorithm infer a cluster of names which roughly matched (at the time) 18 to 25 year old Japanese women. - 2 more replies
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@patio11 I see that, and while trying to avoid being pedantic think,"H" :D Love you. - End of conversation
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@patio11 I would imagine "has Github profile" pretty negatively correlated with "wants to buy furniture on a high-interest installment plan"Thanks. Twitter will use this to make your timeline better. UndoUndo
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@patio11 ‘“there’s room for a product by young people for young people,” Levchin, 39, said’#editorialvoice#ouchThanks. Twitter will use this to make your timeline better. UndoUndo
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