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Content type: Examples
Because banks often decline to give loans to those whose "thin" credit histories make it hard to assess the associated risk, in 2015 some financial technology startups began looking at the possibility of instead performing such assessments by using metadata collected by mobile phones or logged from internet activity. The algorithm under development by Brown University economist Daniel Björkegren for the credit-scoring company Enterpreneurial Finance Lab was built by examining the phone records…
Content type: Impact Case Study
PI and our global partners have been at the forefront of challenging communications data retention for over a decade.
What is the problem
Communications data, also known as metadata, tells a story about your digital activity and answers the who, when, what, and how of a specific communication. While communications data doesn't include the contents of a message, all of the other information about the message can be very revealing about people, their habits, thoughts, health and personal…
Content type: Impact Case Study
What is the problem
Business models of lots of companies is based on data exploitation. Big Tech companies such Google, Amazon, Facebook; data brokers; online services; apps and many others collect, use and share huge amounts of data about us, frequently without our explicit consent of knowledge. Using implicit attributes of low-cost devices, their ‘free’ services or apps and other sources, they create unmatched tracking and targeting capabilities which are being used against us.
Why it is…