Unverified50% confidenceFactExact time
Credit scoring standardized and made trust portable, enabling large-scale financial collaboration between strangers.
1
Sources
50%
Confidence
Long-term
Relevance
9/13/2026
First Seen
Sources
Related Entities
Related Claims
UnverifiedBefore credit scoring systems emerged, human lending relied heavily on personal relationships and local reputation, and trust was local and non-portable.70% similarUnverified将社交行为数据转化为信用评估的方法在金融科技领域被称为替代性信用评分（Alternative Credit Scoring）63% similarUnverifiedIt is recommended that operations involving financial payments and high-privilege accounts maintain manual review and confirmation.57% similar
Cite This Claim
Stable URI
https://kongchang.com/claim/918479API
curl https://kongchang.com/api/v1/knowledge/claims/918479MCP
get_claim(id=918479)