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The Regulation of Data as Collateral: How Finance Will Leverage Personal Data (Ethically) for Credit

For centuries, collateral meant physical assets — property, gold, or machinery. Then, in the 20th century, financial assets like bonds and equities started serving the same role. Now, in the data-driven economy, a third category of collateral is emerging: personal and business data. The concept is both exciting and dangerous. Imagine a farmer using satellite-monitored […]