Big data for (not so) small loans: technological infrastructures and the massification of fringe finance
Big data for (not so) small loans: technological infrastructures and the massification of fringe finance
复制标题
小额贷款的大数据：技术基础设施和边缘金融的大众化
DOI：
10.1080/09692290.2019.1616597
复制
发表时间：
2019
影响因子：
4.3
通讯作者：
Marie Langevin
中科院分区：
文献类型：
--
作者：
Marie Langevin
摘要本文探讨了社会技术系统的演变，导致全球南方边缘化人口的整体负债大幅增加。我分析了大数据（或替代数据）技术正在改变边缘金融基础设施的过程，其权力关系的性质及其能力。本文确定了这些技术变革对金融实践的影响，并说明了所涉及的变化的性质。我认为，虽然这些创新增加了这个市场获取价值的能力，但它们也增加了负债人口和基础设施稳定性的风险。我认为，这些金融实践，由大数据的力量增强，已经使边缘金融的基础设施危险地封闭起来，无法仔细考虑那些被纳入正规金融体系的目标的生产能力，从而使其潜在地功能失调。
Abstract This article examines the evolution of the sociotechnical systems that is leading to a massive increase in the overall indebtedness of marginalized populations in the Global South. I analyze the processes through which Big Data (or alternative data) technologies are transforming the infrastructure of fringe finance, the nature of its power relations, and its capacities. The article identifies the consequences of these technological transformations on financial practices and illustrates the qualitative nature of the changes involved. I propose that while these innovations have increased the power of this market to capture value, they have also increased risks to indebted populations and the infrastructure's stability. I argue that these financial practices, enhanced by the power of Big Data, have made the infrastructure of fringe finance dangerously hermetic to careful consideration of the productive capacities of those being targeted for inclusion into the formal financial system, thereby making it potentially dysfunctional.