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OBJECTIONS TO CREDIT SCORING SYSTEM 1. Why propose a credit scoring system when the citizens don’t even pay QuickLoan 2. There are no Jobs why are you talking about a credit scoring system? We should start from the basics 3. Interest rates are High why do we need a...

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🇬🇭Sam Perez🇬🇭

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42,850 Aufrufe • vor 1 Jahr •via X (Twitter)

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Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia
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Ghana will be introducing a credit scoring system for individuals. Every individual will have a credit score. Right now our credit scoring system does not exist so we are seen as risky. The Ghana Card will also become the anchor for a credit system in Ghana and it will take a couple of car manufacturers in Ghana notably Solar Taxi to give cars on credit to people,” he said. “All they will need at the point of transaction will be your Ghana card and they will give you a car and then you pay over time.” — Dr. Dr. Mahamudu Bawumia

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We need a social credit system in the UK
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We need a social credit system in the UK

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How credit scoring works (the pub version!), just a snippet from the full how to boost your credit score Martin Lewis Money Show, now on ITVX
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A jail dedicated to lock up the Blacklisted Chinese personals. If you are Blacklisted by Social Credit Scoring System, by law, authorities can legally put you in a jail without a trial, twice a year, 15 days each time. The anti-suicide pads are imported from Australia.
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Would you comply with a social credit score system?
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Would you comply with a social credit score system?

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A Chinese jail dedicated to lock up the blacklisted Chinese personals. In China, if you are blacklisted by Social Credit Scoring System, by law, authorities can legally put you in a jail without a trial, twice a year, 15 days each time.

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In China, if your social credit score gets too low, not only you are banned from traveling with plane, but also you are banned from visiting a doctor. In China, social credit system is much worse than the show Black Mirror now.
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In China, if your social credit score gets too low, not only you are banned from traveling with plane, but also you are banned from visiting a doctor. In China, social credit system is much worse than the show Black Mirror now.

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Lowering credit card interest rates sounds like a good idea, but often times it ends up hurting the very people who policymakers were seeking to help. If interest rates are capped, the people who need it the most — high-risk borrowers who have low credit scores — will lose access to credit. Interest rates are largely dependent on the person who is doing the borrowing. The riskier a person is to lend to, the higher their interest rate is because the bank is taking on risk by extending them credit. People who are in desperate need of credit who will no longer be able to get a credit card then may turn to more expensive types of credit. This would also impact people who earn lots of rewards on their credit cards, have excellent credit scores, and payoff their balance every month so they don't pay interest. Credit card companies may cut back or cancel rewards and could start implementing annual fees on credit cards that never had them in the past or increase annual fees on existing cards.
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Lowering credit card interest rates sounds like a good idea, but often times it ends up hurting the very people who policymakers were seeking to help. If interest rates are capped, the people who need it the most — high-risk borrowers who have low credit scores — will lose access to credit. Interest rates are largely dependent on the person who is doing the borrowing. The riskier a person is to lend to, the higher their interest rate is because the bank is taking on risk by extending them credit. People who are in desperate need of credit who will no longer be able to get a credit card then may turn to more expensive types of credit. This would also impact people who earn lots of rewards on their credit cards, have excellent credit scores, and payoff their balance every month so they don't pay interest. Credit card companies may cut back or cancel rewards and could start implementing annual fees on credit cards that never had them in the past or increase annual fees on existing cards.

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In China, if you are blacklisted by social credit system, Authorities instantly cut you off from banking, mobile payments Once your digital life is shut off, you can’t pay rent, buy train tickets, or even receive wages 🚨 CBDC is the gateway to social credit system!
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In China, if you are blacklisted by social credit system, Authorities instantly cut you off from banking, mobile payments Once your digital life is shut off, you can’t pay rent, buy train tickets, or even receive wages 🚨 CBDC is the gateway to social credit system!

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Why Digital ID? It becomes your Carbon Wallet Which becomes a Social Credit System
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There's no privacy in social credit system. ——Everyone can check their neighbors' social credit score by scanning a government QR code. As this Chinese official says: you can literally check social credit score of all people, who are under her control, by scanning a QR code.

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Meanwhile tens of thousands young people are becoming homeless in China, Because they are Blacklisted by Social Credit System. The social credit blacklist cuts people off from modern life. No bank access, no digital payments, no ability to rent a home or even book transport. In a system where everything is digital, being blacklisted means being erased.
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Meanwhile tens of thousands young people are becoming homeless in China, Because they are Blacklisted by Social Credit System. The social credit blacklist cuts people off from modern life. No bank access, no digital payments, no ability to rent a home or even book transport. In a system where everything is digital, being blacklisted means being erased.

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China's Social Credit Score: Once you are blacklisted by social credit system, you can no longer do online shopping in China. "I can't but property" "My child can't go to private school" "You feel you are being controlled by the list" 🚨🚨🚨
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China's Social Credit Score: Once you are blacklisted by social credit system, you can no longer do online shopping in China. "I can't but property" "My child can't go to private school" "You feel you are being controlled by the list" 🚨🚨🚨

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The Professor, Alex Johnson, educates me on everything credit scoring on the newest Fintech Family Hour...live now 👀 We even get into the history of credit scoring technology dating all the way back to the days of Alan Turing 👇
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The Professor, Alex Johnson, educates me on everything credit scoring on the newest Fintech Family Hour...live now 👀 We even get into the history of credit scoring technology dating all the way back to the days of Alan Turing 👇

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26,669 Aufrufe • vor 2 Jahren