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.

Giorgio Mattarella (2020). Big Data e accesso al credito degli immigrati: discriminazioni algoritmiche e tutela del consumatore. GIURISPRUDENZA COMMERCIALE.

Big Data e accesso al credito degli immigrati: discriminazioni algoritmiche e tutela del consumatore

Giorgio Mattarella
2020

Abstract

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.
Settore IUS/05 - Diritto Dell'Economia
Settore IUS/01 - Diritto Privato
Giorgio Mattarella (2020). Big Data e accesso al credito degli immigrati: discriminazioni algoritmiche e tutela del consumatore. GIURISPRUDENZA COMMERCIALE.
File in questo prodotto:
File Dimensione Formato  
Big data e accesso al credito degli immigrati discriminazioni algoritmiche e tutele del consumatore..pdf

Solo gestori archvio

Tipologia: Post-print
Dimensione 256.36 kB
Formato Adobe PDF
256.36 kB Adobe PDF   Visualizza/Apri   Richiedi una copia

I documenti in IRIS sono protetti da copyright e tutti i diritti sono riservati, salvo diversa indicazione.

Utilizza questo identificativo per citare o creare un link a questo documento: http://hdl.handle.net/10447/426156
Citazioni
  • ???jsp.display-item.citation.pmc??? ND
  • Scopus ND
  • ???jsp.display-item.citation.isi??? ND
social impact