Platform Engineering

We regularly write about our technical experiences (good and bad) and what we're learning from the market.

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Credit Assessment & Social Data — Part 2: Using Social Indicators

Posted by Anindya Roy on 22 October 2018

process, credit, strategy, banking

Following my previous post (Part 1 - Traditional Credit Rating) you hopefully now know your credit score and you have mastered the art of managing your credit score. Now brace yourself — what if I tell you that you probably shouldn’t be too excited about it? Read on.

Problems With Traditional Credit Scoring

The...

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Credit Assessment & Social Data — Part 1: Traditional Credit Rating

Posted by Anindya Roy on 16 October 2018

process, credit, strategy, banking

We live in a time where trust is gold. One aspect of trust is credit worthiness. This topic has evolved and has been thought through socially and philosophically since ancient times. In this three-part blog, I am going to talk about credit worthiness in our modern world. I will talk about assessment of financial...

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Reassessing Credit Assessment

Posted by Julia Matheson on 31 August 2018

Architecture, process, strategy, banking, innovation, decisions

Australia has one of the highest rates of personal debt in the world. Estimates indicate that the average Australian owns at least 1 credit card and that roughly 57% of our $2 trillion personal debt is attributable to mortgages. These statistics lend themselves to the assumption that majority of Australians have at...

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