In theory you’d want the algorithm to determine how rational someone is likely to be, assuming that is correlated with debt repayment. If you can say with some degree of confidence that a person is likely to act irrationally and that people who act irrationally don’t pay back debt as often, then that’s a signal to consider when deciding to lend. Not sure exactly how you’d determine that but I guess the hope of collecting such varied data points as phone battery level, typing speed, and food delivery preferences are meant to provide some amount of signal there.