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No credit history? No problem − new research suggests shopping data works as a proxy for creditworthiness

By Joonhyuk Yang, Assistant Professor of Marketing, Mendoza College of Business, University of Notre Dame
Jung Youn Lee, Assistant Professor of Marketing, Jones Graduate School of Business at Rice University

Responsible borrowers are locked out of the global financial system for reasons beyond their control. A study looking at shopping habits offers a novel solution.

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