The Chinese Social Credit System: A Model for Other Countries?

Síthigh, Daithí Mac; Siems, Mathias M.

doi:10.1111/1468-2230.12462

Cited by 67 publications

(37 citation statements)

References 26 publications

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“…China's widely debated plan to implement a nationwide social credit system (SCS) by 2020 is one good example. With the continuing rise of reputation-based quantitative tools and social media networks, theorists are starting to wonder if the SCS will remain exclusive to the Chinese economy [19]. Economists are also postulating the use of data mined from utility payments, rental histories, clickstream behaviors, and even psychometrics in predicting loan repayment behavior [20]- [22].…”

Section: Literature Reviewmentioning

confidence: 99%

Using Open APIs To Drive Financial Inclusion Via Credit Scoring Built on Telecoms Data

Olowe¹,

Olorundare²,

Phillips³

2021

IJDST

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Financial exclusion remains a significant challenge in developing economies. It has been shown that access to credit facilities is a strong predictor of financial inclusion. Credit reporting and scoring remain effective tools for both traditional and alternative lenders, however, access to credible credit data and scoring mechanisms is one of the biggest roadblocks that alternative lenders in developing economies face. While some lenders have developed systems that leverage social media analytics and data harvested from smartphones in order to create a scoring system, the poor and vulnerable are still excluded from such scoring systems. There have been significant advances in the use of telecoms data for credit scoring, making it a promising alternative to credit bureau data. However, readily available data is still an issue. With the increase in the development and use of open APIs, telecoms data could be made readily available for credit scoring, while addressing privacy and other issues. This paper is a conceptual paper that proposes a model for the use of Open APIs from telco data for credit scoring that will ultimately increase access to credit, and ultimately financial inclusion in Africa.

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Section: Literature Reviewmentioning

confidence: 99%

Using Open APIs To Drive Financial Inclusion Via Credit Scoring Built on Telecoms Data

Olowe¹,

Olorundare²,

Phillips³

2021

IJDST

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“…This will apply to non-profits, NGOs, trade unions and social organisations from July 2018 (Munro, 2018). For countries and companies involved in China’s ‘One Belt, One Road’ project to dramatically expand infrastructural linkages between China, Central Asia, Europe, the Middle East and Africa, the influences could be even greater (Mac Síthigh and Siems, 2019). Alibaba founder Jack Ma met with the Prime Minister of Canada in 2017 and urged the Canadian government to grant expedited visas for Chinese visitors by using the Sesame Credit rating platform (Liang et al, 2018).…”

Section: The Chinese Social Credit Systemmentioning

confidence: 99%

“…Mac Síthigh and Siems (2019: 29) ask whether it should be a model for other countries, arguing that in the form that seems to be developing it has advantages over subjective ranking systems (e.g. Uber), and that it ‘should be studied in the West, not as a template or even a counter-model, but as illustrations of the implications of today’s emphasis upon quantification and reputation across a range of domains’.…”

Section: The Chinese Social Credit Systemmentioning

confidence: 99%

Data-driven governance, smart urbanism and risk-class inequalities: Security and social credit in China

Curran

Smart

2020

Urban Studies

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This article contributes to the politicisation of smart urbanism and data-driven governance by making visible some of the potential inequalities emerging from these transitions through a provisional risk-class analysis. To pursue this analysis, it focuses on the case of smart urbanism and its associated process of data-driven governance in China. It looks specifically at the manner in which Chinese smart urbanism, in terms of its security measures, including widespread use of facial recognition and the roll-out of social credit scoring, is affecting inequalities. This article proposes risk-class analysis as a toolbox that can pose new questions in the search for what types of potential risks and inequalities emerge from the smart urbanism and data-driven governance being rolled out in the Chinese context.

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“…Пилотные города устанавливают собственные критерии и начисляют баллы по ним в дополнение к общекитайской системе РСД. Так, в Тибете и в Синьцзян-Уйгурском автономном округе (где могут быть опасны исламистские и сепаратистские настроения) «проводится особенно интенсивный мониторинг использования Интернета, а также тщательно разработаны требования к регистрации и идентификации личности» [6].…”

Section: опытыunclassified

Artificial intelligence for society and government: the future has already begun in China

Zhukov

2020

Journal of Political Research

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The paper is dedicated to the applications of artificial intelligence (AI) in the political sphere. The purpose of this forecasting study is to identify the prospects (for a person, society and the state) that are formed as a result of the integration of AI into the political system as one of the components. Two methods are applied by the author. Firstly, this is a discourse analysis of the positions of researchers and, secondly, the construction of scenarios based on the implicit model that was found in the studied publications. In the short term, leading nation states will be forced to expand their control over AI applications, as well as data aggregators. The reason is that AI and data aggregators can be used to manipulate mass consciousness and behavior from corporations and foreign countries. The author suggested that the formation of a political AI will create a fundamental opportunity for personification of politics regarding each individual citizen. Political AI can be used to support “intelligent” systems that provide social justice along the lines of the Chinese social credit system. The author concludes that the necessary condition for the survival of political systems is their adoption of approaches to the sovereignty of the Internet and the use of political AI.

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The Chinese Social Credit System: A Model for Other Countries?

Cited by 67 publications

References 26 publications

Using Open APIs To Drive Financial Inclusion Via Credit Scoring Built on Telecoms Data

Using Open APIs To Drive Financial Inclusion Via Credit Scoring Built on Telecoms Data

Data-driven governance, smart urbanism and risk-class inequalities: Security and social credit in China

Artificial intelligence for society and government: the future has already begun in China

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