The limits of this model are exposed once you move up to the app layer 1/
1. Individuals yes
2. Or also part of a group with other humans
The app layer with current models is not flexible enough (at all) for group dynamics
Eg guarantees from members of a savings group 2/
individual digital footprint + group guarantees/savings group footprints 👣 3/
Or the group itself 4/
Are they in biashara?
Are they in boda boda biz?
Are they in a special biashara group ?
Group dynamics help refine the score
Right now, digital footprint is only part of true picture
Im more concerned that he, the author, is trapped in his bias
He cant see any other way out besides attempting to refine what we've established is sub par 6/
Now see point /1
Eg lender who tout the same digital data with an AI algorithm spin /11
Have unearthed data that was hidden and why they are the new avenue for lenders /12
Who are lending to Jumia online merchants 13/
Data on the savings, credit, investment and insurance patterns of people within a group setting?
Where is it? 14/