BadakBerenang
9.4K posts

BadakBerenang
@FudFuudd
when we all fall asleep where do we go


Alternative data lending sounds simple in theory. In practice, identity data, bank activity, employment history, and platform behavior live in separate systems. The infrastructure problem is bigger than the scoring model itself.





Di ajak nongkrong sama mas @GuarEmperor 🥺 Bela2 in sempetin waktu buat ngajak nongkrong Kenapa ya kalau orang lain selalu support sedangkan orang terdekat malahan ga pernah support kita 😭









Most financial applications still depend on fragmented middleware. One provider for automation. Another for data. Another for privacy. Another for compliance.













Consumer lending cannot run on public infrastructure without privacy. Borrowers do not want income, identity, or financial history exposed onchain. Confidential computation is a core requirement for real world lending.







