The videos not loading, i'm just getting a really long ad. :D

What an open minded and empathetic woman. It's good to see money lenders aren't all cold-hearted people who only focus on their own risk and profit. I hope this kind of system helps many underprivileged people start a better life :)

hmm. 90% repayment rate? Impressive. I was skeptical, and indeed still am, but I am going to investigate this further. This sounds rather useful. Too bad about the personal data thing but...Well, when you are desperate for credit...

Good god she's attractive.

4:44 "We completely, utterly buttfucked this person's privacy in exchange for debt. We are very proud of doing what not even banks were able to"

What's the name of application in iTunes to download?

Fascinating! Extremely informative. Great service potential.

I can't wait for the day when i'll get a loan refused for not calling enough my relatives.

App isn't available on Google Play Store.

Actually, this seems like a good business model. They can keep low interest rates, because most of their money will be made from the data they sell :P

Do you want money? Tell us who you stay in frequent contact with, where are you on a regular basis, where did you go last wednesday? Don't worry, no one will ever use this information to hurt you, all humans always have YOUR best interest in mind, so turning this information over to a private company is safe.

Fascinating idea. There's obvious concerns about granting access to so much personal data, but so long as it's an opt-in, temporary measure that you can back out of at any time while you're being assessed it should be pretty doable. Oversight would be a must as well, which would require government agility that just doesn't exist yet.

I think it's a sweet idea and can really have a huge impact for some people. The problem is they have access to very personal and private data of their customers and I really do want to believe that they use that data in confidential and respect but in the end when peoples' private data is at someone elses' hands other than their own there's a potential issues and I'm always skeptical. But well what other choice do they have? Maybe this is the less evil option for them.

So many great people talk o ted! I love it.

I'm an introvert, therefore not trustworthy

were there no app link

What is that app called??

Always love her ideas

Smart. A company that mines your personal data for a virtual credit score.

where are the drone videos

is this an ad or a Ted talk?

They have to sell their data to even get the chance to obtain a credit. This practice shows us once again how our data is valuable and how we should protect it.

it is FANTASTIC that they are finding non-money criteria to develop trust in other people. what a great way to handle the situtaion.

can I get a small loan of a million dollars

This is just so awesome! The people behind this solution are financial geniuses!

Recent privacy breaches such as Cambridge Analytical scandal make this model questionable. Are people aware of the complex operations behind the app? Like do they know that the app collects their very sensitive data and make use of it to build credit score? So using this approach meaning I have to surrender my privacy. Any thoughts on this? Is there a point where people consent on the use of specific data?

Great, she just turn the Google idea data mining your data in return of free services. So now she data mine your data and give you a loan.

Reminds me of the this book called Banker to the poor. Different model though. Best wishes!

very inspiring.

Is this about personal credit or business credit for small businesses?

What is 4 indicator found on jeniphers phone that made her alikely candidate for loan repayment???

Nice job.

How this works ??

it feels good to see Indian women at such pedestal truly inspired!

Amazing, Yessss Finally.

wau you making the world a more beautiful place to be..Thank you and God bless you

WAW ... i hope this service is reachable in my country

i love her voice

love her tone ...

Amazing 👏🏻

THIS is how you empower people!

nice idea

Nice speech- better voice so cute.

Its deeply worrying that with data mining, the corporations knows more about us than we know our self.

Awesome

awesome

Why is ted talk tickets so expensive?

So you pay the loan with personal/private information.

that's brilliant BRILLIANT

Just the title tells me I'm out! Isn't this why we have bailed out the Savings and Loans and the Banks X2? I prefer 'debt-free' because even though my life lacks 'junk', it is rich in value and freedom.

Incredibly intelligent and educated and able to see past the usual corporate bs and see people for who they are. I wish more people behaved this way..

interesting idea, but she should have addressed the privacy issue as well. It can be a huge problem for further growth of their app

Banks finally found a way in our personnal data, after all. Beginning with poor countries is logical, how could a desperate population be aware of the usage of such information by the corporations ? They will be the first victims...

Amazing,

how she gets money to lend to people?

Tracking such personal data was cool in 2016 I guess (5:00)

A small loan of a million dollars.

Congratulations folks. You've found another creative way to restrict peoples lives through money!

To the people asking how is this a ted video, please remember what the t stands for

where do you get this service ? nevermind found it on screen playing vid again mkopo rahisi im gonna save that not that i plan on borrowing yet site is here www.mpesaloans.com/mkopo-rahisi/

Yes as long as your DSCR can support it and you are not in a lawsuit we will find you a lender.

Ha. Reminds me of the China credit system. Exchange privacy for social status.

Credit is debt. Debt is slavery

Her company can be trusted, right? Maybe or maybe not. But think for a second about the abuse _the company that buys_ her "innocent" company could, and would do. Data miner's dream. Would not be surprised if this was a corrupt company already that hired a sweet, innocent, naive Indian girl to use a spokesperson. That isn't possible, right?!

Trust: how do you earn it? by letting machines owned by strangers violate it.

hmmm 2 billion plus that "big brother" could not track and now they found a way to put them under their thumb - impressive

i got no to maybe bad credit history because i dont borrow money i save up or pay installments to the owner isnt that messed up im too good with my money to get a loan instead those who borrow all the time are prefered :(

I love her everything xD

Sounds too good to be true. Giving personal info seems too risky.

If you're not rich enough to enter into bondage with a capitalist multinational, we can now offer statistics based control and surveillance instruments to make sure that by just sacrificing every inch of your personal life and privacy, you too can be owned by a financial institution! That's what trust is all about!

I looked into this and they say their interest rates are similar to a credit card but what they don't say is that the loan period is 3 MONTHS. Their yearly interest rate is actually similar to that of a payday loan company. This was about a year ago I wrote a paper on this but I believe they also have another late fee on top of the interest as well!And as I recall they gave out only a few hundred dollars for loans at a time. Do not invoke the idea of struggling Africans to promote your exploitative micro-loan-sharking business and act like you are helping people. Shame on you.

2.5 billion people without a credit score. 3 billion don't have a smartphone to download the app.

You gave them all you personal data and they give you loan. Great deal ;p

That's an ad for a company that exploit your personal data to know if you're worth loaning. The documentary "DoNotTrack" anounced it could happen someday, well, it happened. Bye-bye privacy, hello tracking and profiling...

Yes, let's give banks all our private information

The irony is, I'd like to do business with a man who renegaded on a bank loan, just due to my loathing of banks. Honour amongst thieves still has weight outside the financial sector ;)

I need a business loan

so much for privacy but if you need to trust financial institution to give you the money you have to sacrifice somthing in return.

Half dislike for the half-bullshit topic + 1.5 like for the incredibly beautiful speaker

How is this a TED Talk? This is an advertisement.

Dumb idea, excellent genes..

Who's Use TALA APP, And Search The Owner? 👍

she's really beautiful

just read Bloomberg Feb 17 2020 issue and come here to check it out, you might think she is pitching a charity but this is a loan shark with goons. This is no different than Wonga preying on people with limited financial control and understanding.

hmmmm never knew stalkers had money

I bet Google is or will be the main backer of this data harvesting company.

Fitst

Before I can trust someone with a loan, I need to know this person has something they value in monetary and societal value. Then I need to know there is a repercussion the borrower will face that will matter to the borrower.

saludos luxo jara jajaj

Who uses credit ? People who don't have money.

2.5 billion people without credit ? We learn to value eachother by the amount of debt or credit they have?2.5 billion peoples dont have a toilet or running water.Are we teaching eachother or learning what the lenders want us to learn?How have we as a species of free men and woman found ourselves in a bankers vault?The earth and our ancestors,our parents and grand paretns and great grand parents,who have served,slaved and been jailed in the past,for the benefit of King,Queen and politician?Im asking ,How have we the people become so poor.The money that has been donated,the spoils of War.The Stealing indigenous peoples lands?Really ,all we global humans are Serfs,Slaves and Convicts and if we are good and give our names and Information,we can borrow money,to take the chains of poverty that bind us and swap them for the heavy burden of debt. for the corporations and the Banks> The Venus Project-Global has solutions and ideas that free all peoples from the shackles that bind us.The Religious Organsitations on this planet,have trillions of dollars,the monarchy has Trillions of dollars .2016 and 2.5 billion people dont have credit?how many have Debt? Slaves of Poverty and Slaves of Debt.We are all still Slaves,Serfs And Convicts.

Good! That's how you transform 2.5 billion people into passive consumers in debt. What a load of crap!

Shady infomercial. Shameful.

I think no need for professional financial analysts after this speech... OMG I hope governments did not heard that as we're already suffering from unemployment, or our certificates will be thrown out to start voluntary business life.

Ted Ad lmao

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Hello what is the best way to get started with bitcoin investment or Forex trade cos I have been making my personal research for a while now

美人〜〜〜

First

Installing spyware then remarketing customers data .... scam artist