Critics are concerned that banks will deny services to political dissidents, conservatives, and Christians. A week ago, the American Family Association was reportedly banned From credit card processor over their pro-life religious views and criticisms of homosexuality. -GEG

A new working paper from the International Monetary Fund proposes that banks start using "nonfinancial data" such as people's "history of online searches and purchases" to influence credit scores.

From Gizmodo, "Your Credit Score Should Be Based on Your Web History, IMF Says":

"In a new blog post for the International Monetary Fund, four researchers presented their findings from a working paper that examines the current relationship between finance and tech as well as its potential future. Gazing into their crystal ball, the researchers see the possibility of using the data from your browsing, search, and purchase history to create a more accurate mechanism for determining the credit rating of an individual or business.