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what cell phone battery have to do with you getting a loan?
Posted by: space-time
Date: July 30, 2020 09:25PM
apparently those who run out of battery are also more likely to default on a loan. Those who keep their phones charged are more likely to repay.

Worth watching.

[www.youtube.com]



Edited 1 time(s). Last edit at 07/31/2020 06:10AM by space-time.
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Re: what cell phone battery have to do with you getting a loan?
Posted by: freeradical
Date: July 30, 2020 09:59PM
That's almost two hours long.

Could you post a link that takes me to the time in the video that you find interesting?
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Re: what cell phone battery have to do with you getting a loan?
Posted by: Filliam H. Muffman
Date: July 30, 2020 10:19PM
The segment starts about 14:50, mention of what A.I. looks at to make a loan 16:00.



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Re: what cell phone battery have to do with you getting a loan?
Posted by: Racer X
Date: July 31, 2020 01:52AM
The whole loan racket is based on statistics. If you pardon the pun, it's a numbers game. If their software says no, the answer is no.

I do NOT care what my credit score is. Any financial institution should be fighting to refinance me. Because if I DO default and they foreclose, they just made half a million in free equity. There is NO REAL RISK. Even if they dumpped it at half its value they would be ahead.

My dad was a loan officer at one of the banks he worked at on his way to VP. Your loan is on the PERSON, not a screen with numbers and letters. But Financial institutions are so huge, they only way they can operate is automated and hands off. People are so messy to deal with.



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The police have no duty to respond. See Castle Rock v. Gonzales, 545 U.S. 748 (2005) or Warren v. District of Columbia[1] (444 A.2d. 1, D.C. Ct. of Ap. 1981)



Edited 1 time(s). Last edit at 07/31/2020 01:53AM by Racer X.
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Re: what cell phone battery have to do with you getting a loan?
Posted by: space-time
Date: July 31, 2020 06:11AM
Quote
freeradical
That's almost two hours long.

Could you post a link that takes me to the time in the video that you find interesting?

worth watching all of it IMHO

I see your question has already been answered. Enjoy that segment.
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