[ramzes666]

The concept of using your web history to inform credit ratings is framed around the notion that lenders rely on hard-data that might obscure the worthiness of a borrower or paint an unnecessarily dire picture during hard times. Citing soft-data points like “the type of browser and hardware used to access the internet, the history of online searches and purchases” that could be incorporated into evaluating a borrower, the researchers believe that when a lender has a more intimate relationship with the potential client’s history, they might be more willing to cut them some slack.

Yes, the idea of every move you make online feeding into your credit score is creepy. It may not even be possible in the near future. The IMF researchers stress that “governments should follow and carefully support the technological transition in finance. It is important to adjust policies accordingly and stay ahead of the curve.”

Personally I am highly wary of discussions like these because they seem to trend toward China's "Social Credit" system. When you can affect people's ability to get loans, jobs, homes, etc. based on a subjective view of their browsing history the opportunity for abuse is apparent.

I am aware that many people on this site who hate my guts will automatically take a counter position and scoff at the thought that some kind of authoritarian tool will be used for anything but benevolent reasons. I urge you to consider that we are trending towards a 1984-esq future.

[EricHudson]

If you want a vision of the future, imagine a boot stamping on a human face - forever.'

[AlexHoole]

I am wildly interested in how my browser history can provide helpful information for my credit rating. Can the number and quality of requests somehow affect how I spend money?
The funny thing is that each user has several browsers that are not synchronized. I think that such companies as https://www.antonybatty.com are more likely to help me or my company get a loan than my Google search results.
I hope it's still a joke and won't come to implementation. I believe that there are still worthy specialists in our government.