Can any crypto and blockchain savvy person give your opinion on this? [on hold]

Can any crypto and blockchain savvy person give your opinion on this? [on hold]

Credit Score: A comprehensive persona is created by collecting data from the borrower’s mobile application behavior, application profile, social network, banking history and matching entries from credit rating providers. These raw data points are then consolidated and computed using machine learning algorithms consisting of Logistic Regression Modelling , with features extracted from the Deep Neural Network and Ensemble Learning build using a Gradient Boosting Decision Tree (GBDT) architecture. This proven and efficient credit scoring algorithm has enabled Libra Credit to be able to achieve historical loan default rate average of 3.5%. The credit score is computed mathematically as follows:

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