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  • Hmm... i would like to further my studies... maybe Australia is a good choice?
  • AT the bank the same evening
  • Hello maam, I would like to apply for a students loan for my university
  • Hello, sure thing! we will look at your past records and see if u are applicable to apply for it!
  • we would need you to submit some documents so that we can verify your credibility.
  • Cashflow data, behavioral data,social network information
  • submit
  • Jane has just graduated from polytechnic and wants to apply to a overseas university.
  • Jane Tang
  • Hmmm, she has friends that have applied for loans in this bank too... and she has a strong presence online...
  • Jane goes to the bank to apply for the loan#160;
  • utility bill
  • PAID
  • She is also currently unemployed... and has no prior obligations to the bank... however...
  • Jane goes home and submits the online application#160;
  • Cxxxx bank: Loan approved#160;
  • OMG! My loan just got approved now I can study abroad without worry!
  • The employee at the bank checks janes online profile to evaluate her credibility.
  • The employee is contemplating approving the loan#160;
  • Janes loan was approved in the end!
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