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/
An individual
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
5/
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
/10
Eg lender who tout the same digital data with an AI algorithm spin /11
🙄
Uber
And
Twiga
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/