Playing the credit score game
Algorithms, 'Positive' Data and the Personification of Financial Objects
Bibliographic Data
| ID | 2159757 |
|---|---|
| Authors | Mark Kear (0000-0003-3998-3481, University of Arizona) |
| Year | 2017 |
| Volume | 46 |
| Issue | 3-4 |
| Pages | 346-368 |
| Publication date | 2017-10-02 |
| Peer Reviewed | Yes |
| Open Access | No |
| Type | ARTICLE |
| Venue | Economy and Society (JOURNAL) |
| Journal identifiers | ISSN: 0308-5147 • E-ISSN: 1469-5766 |
| Publisher | Informa UK Limited (PUBLISHER • GB) |
| DOI | 10.1080/03085147.2017.1412642 |
| OpenAlex | W2783343898 |
| Language | EN |
| Citations received | 28 |
| References cited | 40 |
This paper is about how people are learning to 'make themselves up' in response to the market's new algorithmic ways of seeing. More specifically, it explores how the self-datafication of informal financial relations is being used to affect the calculation of credit score. I argue that credit score functions as a legal technology of arbitration beset with contradictions that are giving rise to inchoate struggles over the distribution of calculative agency in consumer credit markets. Drawing on an ethnographic case study of credit building peer 'lending circles', the paper explores how financially marginalized groups and financial inclusion advocates are reacting to the blind spots and biases of credit-scoring algorithms through compensatory and transgressive data-generation practices
Algorithm · Economics · Banking stability, regulation, efficiency · Computer Science · FinTech, Crowdfunding, Digital Finance · Housing, Finance, and Neoliberalism · Finance
“Into Human Flesh and the Human Heart”
Housing, debt, and credit score classification situations
Challenges in enabling user control over algorithm-based services
The collateralized personality
Les passages alternatifs du crédit
Urban development project goals and the role of professional ignorance
Centring labour in financialization
Dimensions of autonomy in human–algorithm relations
Big data for (not so) small loans
The poverty of fintech? Psychometrics, credit infrastructures, and the limits of financialization
Geographies of marketization
Acquisition capital
The affordability of “affordable” housing in England
Digital Debt Collection and Ecologies of Consumer Overindebtedness
The Social Life of Robots
Toward an evolving framework for responsible AI for credit scoring in the banking industry
The financialization of everyday life
Critical companionship
Law's place in economic geography
Identity Theft, Trust Breaches, and the Production of Economic Insecurity
Datos en circulación
Everyday experiences of digital financial inclusion in India's 'micro-entrepreneur' paratransit services
When Corporations Are People
High net-worth attachments
Between a knock at the door and a knock to your score
Alipay's 'Ant Credit Pay' meets China's factory workers
Self-quantification and the datapreneurial consumer identity
Credit Scoring as a Carceral Practice
Devising Consumption
Social Capital in the Creation of Human Capital
The Black Box Society
Debt to Society
The Agency of Assemblages and the North American Blackout
Reassembling the Social
Governing Homo Subprimicus
Korean Rotating Credit Associations in Los Angeles
The scale effects of financialization
Embeddedness and Immigration
The Comparative Study of Rotating Credit Associations
The spaces of actor-network theory
The surveillant assemblage
Debt space
Contingency and Foundation
The Rotating Credit Association
Seeing like a market
An Appetite for Yield
The Financial Exception and the Reconfiguration of Credit Risk in US Mortgage Markets
An Introduction to Market Devices
Scorecards as Devices for Consumer Credit
A Sociology of Market-Things
Peripheral Vision
The Rotating Credit Association
Mixing Humans and Nonhumans Together
A New Algorithmic Identity
Social Capital in the Creation of Human Capital
Reframing austerity
Peer lending and the subsumption of the informal
The diverse domains of quantified selves
Life beyond big data
On arbitration, arbitrage and arbitrariness in financial markets and their governance
Identity theft and the care of the virtual self
Lending by numbers
Between Michel Foucault and Erving Goffman
| Unique citing works | 28 |
|---|---|
| Citations per year | 4 |
| Citation span | 2019 - 2025 (7) |
| Citation velocity | recent |
| Highly cited | No |
| Citation types | Neutral: 28 |