The Value of Verified Employment Data for Consumer Lending: Evidence from Equifax
研究发现，使用可数字验证的就业数据能显著扩大经济弱势群体的信贷获取，同时为贷款机构带来盈利增长。
The availability of digitally verifiable employment data significantly expands credit access for economically disadvantaged customers, and at the same time, profitably expands lenders’ loan portfolio.