Credit Rating Development Operations Technology 
Harvard Business Review
APRIL 1, 2014
These hacks are things like badges, diplomas, dress codes, and, as it happens, credit ratings. It is happening now because the powerful combination of the mobile phone, the social graph, and new authentication technologies is reducing the cost of using social capital effectively at a transaction level. Workarounds.
Harvard Business Review
MAY 17, 2017
Much has been made of the potential for blockchain technologies to open up new vistas for business and society. But is there a way for this revolutionary technology to empower the rich and poor alike? How Blockchain Works Here are five basic principles underlying the technology. Edwards Deming). Distributed Database.
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