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All Data is Credit Data: Reputation, Regulation and Character in the Entrepreneurial Imaginary

Rosamond, Emily. 2016. All Data is Credit Data: Reputation, Regulation and Character in the Entrepreneurial Imaginary. Paragrana, 25(2), pp. 112-124. ISSN 0938-0116 [Article]

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This essay examines new means of measuring creditworthiness, reputation and character online and briefly considers the implications for contemporary art. New technologies for determining creditworthiness abound; for instance, companies in the so-called fintech (financial technology) industry, provide new methods for granting credit to the underbanked, using big data analytics and psychometric testing. Similarly, Rachel Botsman and others envision a future in which reputation becomes a kind of currency, following its bearers from platform to platform. Together, the world of consciously projected reputation-images online and the fintech industry's inconspicuous measurement of creditworthiness form a conscious/ unconscious couplet of character measurement apparatuses. Character, in these data analytic worlds, acts as a lived fiction, a representation of futurity online that determines in advance one's level of access to markets and social spheres. How might these emerging conditions change the ways in which artworks understand – and perhaps resist – the demand to be " good " characters online? Some possible artistic responses to this world of character measurement include questioning the correlative logics of measurement itself and testing the limits of creditworthy character traits, in order to demonstrate that credit must always rely on a set of locally shared assumptions as to what might be considered " desirable " behaviour.

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Publisher full text is used with permission.

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Visual Cultures


October 2016Accepted
1 December 2016Published
30 December 2016Published Online

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09 Oct 2017 09:14

Last Modified:

14 Jul 2018 04:30


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