TY - JOUR
T1 - Big Data e accesso al credito degli immigrati: discriminazioni algoritmiche e tutela del consumatore
AU - Mattarella, Giorgio
PY - 2020
Y1 - 2020
N2 - The aim of this essay is to assess the capacity of innovative credit scoring techniques to improve financial inclusion of the unbanked. Given the lack of informations on immigrants creditworthiness, the use of Big Data analytics could be a useful tool, because it makes possibile to collect and analyze the huge quantity of data produced online by the consumer. According to the author, it is questionable the compliance of social network data with the requirements of the Testo Unico Bancario: according to articles 120 undecies and 124 bis, the data used in the creditworthiness assessment should be connected with the consumer’s ability to repay the debt. The essay, moreover, stress the need for an explanation of the credit decision, given the lack of information on the algorithm’s functioning, and the need for a broad interpretation of the anti-discrimination law.
AB - The aim of this essay is to assess the capacity of innovative credit scoring techniques to improve financial inclusion of the unbanked. Given the lack of informations on immigrants creditworthiness, the use of Big Data analytics could be a useful tool, because it makes possibile to collect and analyze the huge quantity of data produced online by the consumer. According to the author, it is questionable the compliance of social network data with the requirements of the Testo Unico Bancario: according to articles 120 undecies and 124 bis, the data used in the creditworthiness assessment should be connected with the consumer’s ability to repay the debt. The essay, moreover, stress the need for an explanation of the credit decision, given the lack of information on the algorithm’s functioning, and the need for a broad interpretation of the anti-discrimination law.
UR - http://hdl.handle.net/10447/426156
M3 - Article
JO - GIURISPRUDENZA COMMERCIALE
JF - GIURISPRUDENZA COMMERCIALE
SN - 0390-2269
ER -