‘All Data Is Credit Data’: Personalised Consumer Credit Score and Anti-Discrimination Law

Collado-Rodríguez, Noelia; Kohl, Uta

Use this link to cite:

http://hdl.handle.net/2183/42151

‘All Data Is Credit Data’: Personalised Consumer Credit Score and Anti-Discrimination Law

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ColladoRodriguez_Noelia_Kohl_Uta_2021_All_Data_is_Credit_Data.pdf (18.73 MB)

Identifiers

URI: http://hdl.handle.net/2183/42151

DOI: 10.1017/9781108891325.010

Publication date

2021

Authors

Collado-Rodríguez, Noelia

Kohl, Uta

Bibliographic citation

Collado-Rogriguez, N., & Kohl, U. (2021). ‘All Data Is Credit Data’: Personalised Consumer Credit Score and Anti-Discrimination Law. In U. Kohl & J. Eisler (Eds.), Data-Driven Personalisation in Markets, Politics and Law (pp. 124–141). chapter, Cambridge: Cambridge University Press.

Abstract

[Abstract]: This chapter asks whether anti-discrimination imposes limits on the extent to which lenders may use big data analytics in arriving at risk-scores and differential credit products. Are price disparities based on big data analytics that profile individual consumers socially and psychologically based on their online behaviour fundamentally different from traditional pricing models based on, for example, poor repayment history or the newness of the customer, and if so, why?