One early proponent, Citigroup famously hired Watson, IBM’s number-crunching supercomputer, to help it decide what new products and services to offer customers. Big data technologies are already being used to clamp down on fraud and determine which customers are credit-worthy.
But similar technologies are also bolstering the efforts of competitors to traditional banks that are providing small-dollar loans to people in need. One such firm is ZestCash, the brainchild of a former engineering lead at Google, which gives loans to people with bad credit histories.
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