Cignifi raises funding to model credit scores for emerging market consumers

In the developed world, financial institutions use credit history in order to assess a person’s creditworthiness and subsequently issue them financial products at personalized terms. Unfortunately, that’s difficult to do in emerging markets, where mobile phones are more prevalent than traditional credit history.

A Clever Way to Tell Which of Your Emails Are Being Tracked

While you’ve likely never heard of companies like Yesware, Bananatag, and Streak, they almost certainly know a good deal about you. Specifically, they know when you’ve opened an email sent by one of their clients, where you are, what sort of device you’re on, and whether you’ve clicked a link, all without your awareness or consent.

What Your Tweets Say About You

How much can your tweets reveal about you? Judging by the last nine hundred and seventy-two words that I used on Twitter, I’m about average when it comes to feeling upbeat and being personable, and I’m less likely than most people to be depressed or angry. That, at least, is the snapshot provided by AnalyzeWords, one of the latest creations from James Pennebaker, a psychologist at the University of Texas who studies how language relates to well-being and personality. One of Pennebaker’s most famous projects is a computer program called Linguistic Inquiry and Word Count (L.I.W.C.), which looks at the words we use, and in what frequency and context, and uses this information to gauge our psychological states and various aspects of our personality.

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