Join credit scoring experts Dr. Cristian Bravo and Dr. Josh Lauer in a talk on the impact of credit scoring and big data on social inequality. This is a student effort from the Franke Global Leadership Initiative supported by the Mansfield Center.

Dr. Josh Lauer is an associate professor of media studies at the University of New Hampshire and current Kluge Fellow in Digital Studies at the Library of Congress. He is the author of Creditworthy: A History of Consumer Surveillance and Financial Identity in America (2017) and co-editor of Surveillance Capitalism in America (2021). In this interview, we discuss the history of credit scoring and discrimination that has resulted from the use of credit scores.

Raúl Carrillo is the Deputy Director of the LPE Project and an Associate Research Scholar at Yale Law School. His research critically analyzes the laws of money, banking, and finance, by approaching money as a technology of governance. In this interview, we discuss the complications of data aggregation for credit scoring, and how it can be used fairly.

Debra Casper is a Financial Counselor with Clearwater Credit Union in Missoula, Montana. In this interview, we discuss how Debra advises her clients to manage their finances and maintain a good credit score.

Carolyn Kurr is a Chief Financial Officer, and in this interview we discuss how credit scores are calculated in the United States.

Dr. Cristián Bravo Roman is an Associate Professor in Statistical and Actuarial Sciences at Western University in Ontario, Canada. He is also a co-author of the paper "The Value of Big Data for Credit Scoring: Enhancing Financial Inclusion using Mobile Phone Data and Social Network Analytics". In this interview, we discuss how mobile phone calling patterns can be used to predict borrowing behavior and the ethical implications of these findings Read the paper: https://arxiv.org/abs/2002.09931

Glenn Tetley is the Founder of Tetley Wealth Group and serves clients as a financial advisor for retirement planning. In this interview, we discuss trends in debt and credit over time in the United States, and how people can plan for retirement and manage debt.

Dr. María Óskarsdóttir is an Assistant Professor in Decision Sciences and Information Management at Reykjavik University in Iceland. She is also a co-author of the paper "The Value of Big Data for Credit Scoring: Enhancing Financial Inclusion using Mobile Phone Data and Social Network Analytics". In this interview, we discuss how mobile phone calling patterns can be used to predict borrowing behavior and the algorithms behind these models.  Read the paper: https://arxiv.org/abs/2002.09931

Dr. Barbara Kiviat is an Assistant Professor of Sociology at Stanford, and is the author of the paper "The Moral Limits of Predictive Practices: The Case of Credit-Based Insurance Scores". In this interview, we discuss how employers and insurance providers in the United States use credit scoring to make decisions, and the morality of these practices. Read the paper:  https://journals.sagepub.com/doi/full/10.1177/0003122419884917

Dr. Bart Baesens is a professor of Big Data & Analytics at KU Leuven (Belgium), and a lecturer at the University of Southampton (United Kingdom), and is a co-author of the paper "The Value of Big Data for Credit Scoring: Enhancing Financial Inclusion using Mobile Phone Data and Social Network Analytics". In this interview, we discuss how mobile phone calling patterns can be used to predict borrowing behavior for people with no prior credit history.   Read the paper: https://arxiv.org/abs/2002.09931