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A comment on On the Rise of FinTechs – Credit Scoring Using Digital Footprints. Parent comment

Re:On the Rise of FinTechs – Credit Scoring Using Digital Fo... by ThrowAway1451 on Saturday June 23, 2018 @04:35AM (#17380213)
If that is true ("equal credit act is the only thing stopping it in the US"), then race is the strongest factor[1] for credit scoring, so I'm not sure how China does it (Chinese population is racially homogenous)?

[1] https://en.wikipedia.org/wiki/Factor_analysis

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Re:On the Rise of FinTechs – Credit Scoring Using Digital Fo... by voidmain0001 on Saturday June 23, 2018 @07:45AM (#17380803)
The Chinese recognize race within its borders[1], additionally it may be of interest to the scorer to know who is Hui, Tibetan, or Uyghur.[2]. I don't support this I'm just noting that China is not racially homogenous.

[1] https://en.m.wikipedia.org/wiki/Five_Races_Under_One_Union [2] https://en.m.wikipedia.org/wiki/Ethnic_issues_in_China

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