Social Media Commons^™

From Footprint To Evidence: An Exploratory Study Of Mining Social Data For Credit Scoring, Guangming Guo, Feida Zhu, Enhong Chen, Qi Liu, Le Wu, Chu Guan

Research Collection School Of Computing and Information Systems

With the booming popularity of online social networks like Twitter and Weibo, online user footprints are accumulating rapidly on the social web. Simultaneously, the question of how to leverage the large-scale user-generated social media data for personal credit scoring comes into the sight of both researchers and practitioners. It has also become a topic of great importance and growing interest in the P2P lending industry. However, compared with traditional financial data, heterogeneous social data presents both opportunities and challenges for personal credit scoring. In this article, we seek a deep understanding of how to learn users’ credit labels from social …