Wow, the practices these &#x27;disruptive startups&#x27; are using are pretty much the same as the bad guys in the dystopian cyberpunk novels from the 90s. They read the whole smartphone, including emails, (charging history?), address book and more.<p>Just a reminder, determining credit-worthiness by looking at social networks has been called digital redlining. <a href="http:&#x2F;&#x2F;www.theatlantic.com&#x2F;technology&#x2F;archive&#x2F;2015&#x2F;09&#x2F;facebooks-new-patent-and-digital-redlining&#x2F;407287&#x2F;" rel="nofollow">http:&#x2F;&#x2F;www.theatlantic.com&#x2F;technology&#x2F;archive&#x2F;2015&#x2F;09&#x2F;facebo...</a>