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📢 Day 4/100: The Role of Data in Credit Scoring

Data is the fuel for any credit scoring engine. 🔍

However, in Ethiopia, traditional credit data is scarce.

Today, I'll dive into:

Types of alternative data (e.g., mobile money, e-commerce behavior).

Ethical challenges in data collection.

I plan to build a framework that respects privacy while being effective.

#DataDriven #CreditScoring #AlternativeData #Fintech #EthicalAI #Ethiopia



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📢 Day 4/100: The Role of Data in Credit Scoring

Data is the fuel for any credit scoring engine. 🔍

However, in Ethiopia, traditional credit data is scarce.

Today, I'll dive into:

Types of alternative data (e.g., mobile money, e-commerce behavior).

Ethical challenges in data collection.

I plan to build a framework that respects privacy while being effective.

#DataDriven #CreditScoring #AlternativeData #Fintech #EthicalAI #Ethiopia

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But Telegram says people want to keep their chat history when they get a new phone, and they like having a data backup that will sync their chats across multiple devices. And that is why they let people choose whether they want their messages to be encrypted or not. When not turned on, though, chats are stored on Telegram's services, which are scattered throughout the world. But it has "disclosed 0 bytes of user data to third parties, including governments," Telegram states on its website. Just days after Russia invaded Ukraine, Durov wrote that Telegram was "increasingly becoming a source of unverified information," and he worried about the app being used to "incite ethnic hatred." Asked about its stance on disinformation, Telegram spokesperson Remi Vaughn told AFP: "As noted by our CEO, the sheer volume of information being shared on channels makes it extremely difficult to verify, so it's important that users double-check what they read." The channel appears to be part of the broader information war that has developed following Russia's invasion of Ukraine. The Kremlin has paid Russian TikTok influencers to push propaganda, according to a Vice News investigation, while ProPublica found that fake Russian fact check videos had been viewed over a million times on Telegram. Since its launch in 2013, Telegram has grown from a simple messaging app to a broadcast network. Its user base isn’t as vast as WhatsApp’s, and its broadcast platform is a fraction the size of Twitter, but it’s nonetheless showing its use. While Telegram has been embroiled in controversy for much of its life, it has become a vital source of communication during the invasion of Ukraine. But, if all of this is new to you, let us explain, dear friends, what on Earth a Telegram is meant to be, and why you should, or should not, need to care.
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