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How does big data support fintech credit scoring? Does it raise ethical issues? Is there law enforcement? Comparing the rise of derivatives innovation and fintech

How does big data support fintech credit scoring? Does it raise ethical issues? Is there law enforcement? Comparing the rise of derivatives innovation and fintech a decade ago, what are the similarities and differences between the two? Will fintech take over the role of derivatives, or will it improve the role of derivatives?

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