Yuka Hayashi
speaker
247 appearances
9 recordings
1 series
first heard Jul 2019
last heard Aug 2020
Yuka Hayashi’s voice in public audio — every appearance, attributed to the second.
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Appearances
They see Google's action as unfair.
They say that they punish perfectly legal businesses and their products unfairly.
And also, they feel that the action could endanger consumers by sending them to illegal loans that could charge much higher interest rates or fraudulent products.
That's right.
And actually, a number of payday loans charge interest rates that could exceed 300%, 400%.
A number of them charge extremely high interest rates.
That's right.
This action comes at a time when there's a lot of debate over the role of companies that have very large market shares and have the ability to influence customers' shopping behaviors.
One example is retailers like Walmart and Dick's Sporting Goods restricting the sale of firearms.
Another example is large banks like Bank of America and Morgan Stanley limiting doing business with companies that run private prisons and detention centers.
WSJ Your Money Briefing · Where You Went to College Could Determine Credit Approval · 9 Aug 2019
podcast
Yes, that accounts for about one in five people in this country and policymakers for a long time have thought about ways to get at least some of these people the access to credit.
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Now, a lot of people are paying attention to the use of computer driven models and alternative data as a way to help some of these folks.
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There is a range of data that could be used.
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Some of the less controversial data include things like your rent payment, utility payment, cell phone payments, or looking at your bank statements to see what comes in and what goes out.
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These types of data are fairly widely used already and seen as less controversial.
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On the other end of the spectrum from less controversial things like utility payments or the use of social media data, you know, cases where lenders look at your Facebook feed, look at your photos, who you're friends with, determine whether you are worthy for credit.
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This type of data is still seen as very risky by lenders.
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So as long as I know, lenders stay away from this type of data, but in the middle are information like people's education background, occupational history.
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These types of data are used by some lenders, but they are controversial.
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So some lenders, some particularly student loan lenders, only lend to people with college diplomas, people who have actually finished college.
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Showing 181–200 of 247 · page 10 of 13
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