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15-Sep-2017 02:52

The higher the score, the better your credit.” Further down was a button that read, in clean white characters, “Start my credit journey.” He tapped.electrical engineer named Bill Fair and a mathematician named Earl Isaac started a small tech company out of a San Francisco apartment.

They named it Fair, Isaac and Co., but the business eventually came to be known, for short, as FICO.

Still, efforts to establish a reliable credit system foundered because China lacked a third-party credit scoring entity.

What it did have by the end of 2011 were 356 million smartphone users.

But Alipay knows all of these things about its users and more.

Owned by Ant Financial, an affiliate of the massive Alibaba corporation, Alipay is sometimes called a super app.

Applicants’ race could be counted against them, as could messiness, poor morals, and “effeminate gestures.” Algorithmic scoring, Fair and Isaac argued, was a more equitable, scientific alternative to this unfair reality.

FICO’s approach eventually caught on among the credit bureaus—Trans Union, Experian, and Equifax—and in 1989 FICO introduced the credit score we know today, enabling millions of Americans to take out mortgages and rack up credit card bills.

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The People’s Bank of China, the country’s central banking regulator, maintains records on millions of consumers, but they often contain little or no information.Until recently, it was difficult to get a credit card with any bank other than your own. As housing prices spiked, this became increasingly untenable.

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