A new working paper from the International Monetary Fund proposes that banks start using “nonfinancial data” such as people’s “history of online searches and purchases” to influence credit scores. Critics are concerned that banks will deny services to political dissidents, conservatives, and Christians. A week ago, the American Family Association was reportedly banned From credit card processor over their pro-life religious views and criticisms of homosexuality. -GEG
A new working paper from the International Monetary Fund proposes that banks start using “nonfinancial data” such as people’s “history of online searches and purchases” to influence credit scores.
From Gizmodo, “Your Credit Score Should Be Based on Your Web History, IMF Says”:
“In a new blog post for the International Monetary Fund, four researchers presented their findings from a working paper that examines the current relationship between finance and tech as well as its potential future. Gazing into their crystal ball, the researchers see the possibility of using the data from your browsing, search, and purchase history to create a more accurate mechanism for determining the credit rating of an individual or business. They believe that this approach could result in greater lending to borrowers who would potentially be denied by traditional financial institutions.
At its heart, the paper is trying to wrestle with the dawning notion that the institutional banking system is facing a serious threat from tech companies like Google, Facebook, and Apple. The researchers identify two key areas in which this is true: Tech companies have greater access to soft-information, and messaging platforms can take the place of the physical locations that banks rely on for meeting with customers.
The concept of using your web history to inform credit ratings is framed around the notion that lenders rely on hard-data that might obscure the worthiness of a borrower or paint an unnecessarily dire picture during hard times. Citing soft-data points like “the type of browser and hardware used to access the internet, the history of online searches and purchases” that could be incorporated into evaluating a borrower, the researchers believe that when a lender has a more intimate relationship with the potential client’s history, they might be more willing to cut them some slack.”
While they’re imagining the future of banking, the present involves political dissidents and Christian conservatives being denied bank accounts and blocked from processing credit cards over their political and religious views. Read full article here…
Jimmy Dore gave a riveting analysis about US wars and explained that the media gets Americans to cheer on provocations by lying to the public who have no idea what is happening with their foreign policy. And Americans have no idea that they have no idea.
The built-in “Police Perimeter Alert” automatically analyzes people for officer perceived threats. Things like dirt, mud, snow and rain could automatically trigger the system to roll up a police officers windows and lock their doors sending them into panic mode thinking they are being targeted by an unassuming citizen.
Farmer Jerry Huigen says the government is forcing dairy farmers to waste perfectly good milk by setting low production quotas so prices can remain high at a current rate of $7 Canadian dollars per liter.
A team of scientists have attempted to insert an alligator gene into the genomes of catfish for the purpose of reducing disease in farmed fish as about 40% of them die from infections. US fish farms produced 307 million tons of catfish in 2021.
The Cochrane Database of Systematic Reviews performed a peer-reviewed study of several dozen rigorous studies focusing on “physical interventions” against COVID-19 and influenza found that they provide little to no protection against infection or illness rates.
Josh Stirling found a 7% aggregate mortality increase for each COVID vaccine dose received, meaning a “fully vaccinated” individual who took 5 doses increased their risk of [premature] death by 35%. Stirling previously noted that overall, all-cause mortality in the US rose in 2022 from 2021 by about 15%.
Brazil introduced legislation that would criminalize those who choose not to comply with the country’s forced vaccination schedule; the refusers will face a prison sentence of two to eight years. A one- to three-year prison sentence is proposed for those who omit or oppose the mandatory vaccination of children.
Since late December, heavy storms brought an estimated 32 trillion gallons of rainwater to the state that would have been enough to supply the state’s agricultural, industrial, and residential needs for at least a decade—if it were stored in reservoirs. Instead, 95% of of the rainwater was washed out to sea.
A German company, ColorDigital, has launched a system for photorealistic ‘digital humans’ to pose for campaigns. Brands can now create a unique team of digital models to use in fashion sales and marketing. Brands can save travel and production costs by using computer generated images, also known as ‘deep-fakes’.
China is dreaming of creating a herd of 1,000 of “super cows” that can produce 100 toms of milk each per year. China currently has 6.6 million cows – but is reliant on 70% of purchases from overseas.
Fiber First LA, a nonprofit that promotes fiber optic networks over wireless infrastructures, wrote, “Citizens have been stripped of their rights, fire and safety concerns have been ignored, critical environmental protections have been dismissed, and any checks on the wireless industry have been virtually eliminated.”
Leftists blamed structural ‘white supremacy’ in policing for Nichols’ death, yet five black police officers were involved in the beating and were arrested. Larry Elder explained that virtually all of recorded police killings could be avoided if suspects do not resisted arrest.
Canada’s Bill C-26 is a cyber-security and infrastructure bill that is open-ended and fails to define terms so that it may be easily manipulated, it contains secrecy provisions, it imposes outrageous penalties, and it fails to provide due process.
A Tesla Model S spontaneously went up in flames in California over the weekend as the battery compartment caught fire while the vehicle was traveling at freeway speeds. The blaze required roughly 6,000 gallons of water to put out the electric fire as battery cells continued to combust.
Houck says he was offering counseling outside an abortion clinic when Bruce Love had an altercation Houck’s 12-year old son and continued harassing the boy; Houck faced 11 years in orison for shoving Bruce Love. Houck was raided by the FBI with a SWAT team of about 25 people and was arrested.
Pronatalists are “pro-birth” activists and governments spooked by declining birth rates that fear the world is on the verge of demographic collapse. Pronatalism overlaps with transhumanism. The key is selecting for superior genetics. It is ironic that many wealthy elites have only one or no children, per to Elon Musk.
n November 30, 2022, Louie Gohmert, the former Republican Congressman from Texas who is now retired, introduced legislation to hold Big Pharma liable for injuries caused by publicly mandated ‘vaccines.’
No country has claimed responsibility for the attack and appears to be unprovoked. An analyst said that the Biden administration wants Tehran to understand that the United States has both the military means and the political will to stand with Israel and conduct successful large-scale strikes if necessary.
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Offline is a documentary on the inevitability of the Earth being slammed by a mega solar flare – not the common type that interrupts communications and creates a light show in the Northern skies – but the big brothers thousands of times more powerful. These monsters deliver enough energy to blow apart the master transformers that supply the planet’s energy grids. When that happens, the lights go out for longer than anyone wants to think about. These X-Class solar storms hit the Earth every 150 years, on average. The last one arrived 156 years ago. We are overdue (More)
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Pascal Mangoria
2 years ago
Oh, yes. This will end well…
Jennifer
2 years ago
The new way of trying to introduce the new Corporate Coupon and say it-s currency making Digital is called U B I there will be no form of exchange as your points will be your whole life price misbehave and we will knock points off and maybe stop you living altogether Arron Russo words from D Rockefeller now why would they be pushing the chipping of humans
end of the rope
2 years ago
These people have no right to control others. Who elected them? Who voted for this? A tiny handful want to destroy everyone. Why? Why can’t they just go on their yachts with bimbos and cocaine and leave us alone.
Offline is a documentary on the inevitability of the Earth being slammed by a mega solar flare – not the common type that interrupts communications and creates a light show in the Northern skies – but the big brothers thousands of times more powerful. These monsters deliver enough energy to blow apart the master transformers that supply the planet’s energy grids. When that happens, the lights go out for longer than anyone wants to think about. These X-Class solar storms hit the Earth every 150 years, on average. The last one arrived 156 years ago. We are overdue (
Oh, yes. This will end well…
The new way of trying to introduce the new Corporate Coupon and say it-s currency making Digital is called U B I there will be no form of exchange as your points will be your whole life price misbehave and we will knock points off and maybe stop you living altogether Arron Russo words from D Rockefeller now why would they be pushing the chipping of humans
These people have no right to control others. Who elected them? Who voted for this? A tiny handful want to destroy everyone. Why? Why can’t they just go on their yachts with bimbos and cocaine and leave us alone.