Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Wearable Payment Data for Credit Scoring
Episode 101 of Fintech Conversations explores the emerging trend of using wearable payment data—from smartwatches, fitness trackers, and even smart rings—to build alternative credit scores. Lucas and Luna break down a real case: how Brazilian fintech Nubank is testing a pilot that analyzes tap-to-pay frequency and transaction consistency from Apple Watch users to predict creditworthiness. They discuss the data points wearables capture that traditional credit bureaus miss, the privacy risks, and whether this could expand financial inclusion or create new biases. The conversation also touches…
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