Research brief
IllustrativeResearch brief: Mobile metadata as a credit proxy
2026 · Updated 2 Jul 2026
Short illustrative note on why call-detail patterns fail informal workers after festival weeks.
The sample research brief documents a recurring failure mode: credit models that treat a drop in call volume as risk. It proposes prohibited-proxy lists and a human appeal SLA for digital lenders in the sandbox narrative.
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Related records
Use case
Model-risk notes for informal-worker digital creditA Dhaka research desk publishes plain-language risk notes whenever a lender’s score uses mobile metadata as a proxy for repayment.
Dataset
Digital-credit proxy catalogueA short illustrative catalogue of mobile-metadata features that should not stand in for repayment risk.