The first is credit history. For example, does the citizen pay their electricity or phone bill on time? Do they repay their credit card in full? Next is fulfilment capacity, which it defines in its guidelines as ‘a user’s ability to fulfil his or her contract obligations’. The third factor is personal characteristics, which is verifying personal information such as someone’s mobile phone number and address. But it’s the fourth category, behaviour and preferences, where it gets interesting and, some might say, more sinister.
