Banks know a lot about us, but they have traditionally used externally generated credit scores to assess

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Banks know a lot about us, but they have traditionally used externally generated credit scores to assess creditworthiness when deciding whether to extend a loan. How would you suggest a bank use Data Analytics to get a more complete view of its customers’ creditworthiness? Assume the bank has access to a customer’s loan history, credit card transactions, deposit history, and direct deposit registration. How could it assess whether a loan might be repaid?

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