David Cooper (host)

It's pretty low tech.

Yeah.

But there's a new class of companies that's trying to like do AI to predict whether you'll repay your loan, even if your traditional credit score is low.

There's one small positive upside here that it could include more people into loans and give them access to credit where their traditional credit score is low, but they use AI to predict you with a higher credit score, fine, whatever.

But taking a step back like 30, 40 years ago, like banks were closed.

You had privacy with your data.

Is this just the new world we're living in?

Like if you...

Use a credit card, if you use a phone to pay, basically you have no privacy.

That's exactly right.

I guess the moral of the story is take out all your cash, close your bank accounts and keep it in your mattress at home.

Osama Mansour is an information systems professor at Lund University in Sweden.

Osama, I've enjoyed the chat.

Thanks for being on the show.

Thank you so much, David.

Up next, should you trust your mood of the day, even if it's particularly negative and then act on it?

No, you should be even keel cool as a cucumber and we'll tell you how to manage those moods and not act on impulses in a minute.

I think a lot of people treat their feelings as facts.

And that's going to be our topic today here on Therapy Thursdays.

On a Wednesday, we are joined an expert in family and marital therapy, social worker Gary Dierenfeld.