https://www.newscientist.com/article/2155089-your-smartphone-behaviour-may-decide-whether-you-get-a-loan/ > The report looked at the way tech-savvy loan companies work in India and Kenya, finding that they’re turning to increasingly intrusive sources of information to make decisions about their customers. > “Decisions that seem irrelevant, such as how you have arranged your phone book, how often you call your parents, and how many social media apps you have, are now factors to determine someone’s trustworthiness and credit score,” says Tom Fisher, who wrote the report.