Rachel O'Dwyer

Methods for Studying Payments Algorithms


I have some unfinished work on algorithmic credit scoring based on a presentation I gave at AoIR in Berlin, 2016. This was an exploration of the history of credit scoring and an exploration of new forms of credit scoring based on mobile payments and other forms of transactional data. I looked at a company called Branch, who are using mobile payments data from M-Pesa and Facebook data. 


The main reason I haven't done anything with this work is that I had a lot of trouble finding out