As you know, Big Data methods work well in a stable market. Today's markets are far from stable and the degree of uncertainty only increases. In this context, the obsolescence of the accumulated statistics for patterns of trustworthy borrowers will be catastrophically.
How do you plan to solve this problem, through a dramatic decrease of the average size of the loan?
There are many risks in this market. An interesting opinion of the team on this issue.
True, Big Data is needed in a stable market backup by a big company and not really on par with... take a look right now, only BTC hardfork make everything seem chaos.