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vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

We will see.

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

we, the OKFDE, have no partnership with Bertelsmann our partner, algorithmwatch, has - independently from this project - funding from Bertelsmann Stiftung

again the data is first delivered only to the user, afterwards he/she can decide what to do

glad we agree that the issue is important

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

As stated before, we are not only asking for SCHUFA but also arvato data, see blogpost https://okfn.de/blog/2018/02/openschufa-english/#update

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

http://openschufa.de will be place for updates will take a couple of weeks, project will run for months to come

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

You are welcome!

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

We are trying to convince them.

Here are the live stats from the requests https://selbstauskunft.net/statistiken

Skewed demographics are on the radar (we know we are in bubble). EU regulation 2016/679 GDPR with May 25th is also on the radar.

For more related projects see http://mydata.org

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

wrt algo - afaik the biggest credit rating agency in Germany is "just" using a logistic regression. details will follow.

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

The data and credit scores are sent from the credit score agencies to each person directly (via snail-mail). After that they can decide to upload their "anonymized" data or not. In order to develop a privacy focused uploading process we started the crowdfunding campaign.

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

see this information https://www.settle-in-berlin.com/what-is-schufa/

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

btw. we are requestion infoscore aka Bertelsmann - data see stats https://okfn.de/blog/2018/02/openschufa-english/#update

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

1. date is not open yet, first people have to request the data (will take probalby 4-6 weeks until they get the credit scores)

2. see below https://news.ycombinator.com/item?id=16391885

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

just raw images would cause major privacy & data protection issues

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

a. is disclosed by our partner algorithmwatch b. the funding is not for this project c. see https://twitter.com/OpenSchufa/status/964408780162150400 "Die SCHUFA ist die bekannteste Auskunftei & Marktführer; wir fordern in unserer Projektbeschreibung u.a.: "Die SCHUFA & andere Auskunfteien müssen öffentlich & permanent darlegen, wie ihr Score funktioniert bzw. welche Modelle/Annahmen ihm zu Grunde liegen (Nachvollziehbarkeit)" d. read https://okfn.de/blog/2018/02/openschufa-english/#update (we already requesting infoscore Consumer Data GmbH data)

vavoidaon OpenSCHUFA – Reverse-engineering the algorithm of the German credit score agency

FYI in case you speak German, this project is currently all over the news in Germany, causing quite a stir.

TV http://www.tagesschau.de/inland/schufa-101.html https://www1.wdr.de/mediathek/video/sendungen/wdr-aktuell/vi... https://www.n-tv.de/ratgeber/Aktivisten-wollen-Schufa-Code-k...

Online https://www.wired.de/collection/life/openschufa-macht-bonita... http://www.spiegel.de/wirtschaft/service/kreditwuerdigkeit-w... https://www.golem.de/news/openschufa-reverse-engineering-der... https://www.heise.de/newsticker/meldung/OpenSCHUFA-Projekt-w... https://www.gruenderszene.de/allgemein/openschufa-algorithmu... https://www.futurezone.de/netzpolitik/article213448091/OpenS... https://netzpolitik.org/2018/jetzt-mitmachen-wir-knacken-die...

most motivational video, ever https://youtu.be/HBsD8BdXSCY

(disclaimer I'm part of the team)

vavoidaon Taxation – Explaining What a Double Irish Sandwich Is

yes, there are better explanations for the Double Irish Dutch Sandwich

http://www.nytimes.com/interactive/2012/04/28/business/Doubl...

https://www.youtube.com/watch?v=EFKGmmm-j5M

vavoidaon Njalla – A privacy-aware domain registration service

nice service, I like the idea of the automatic pgp-key-lookup-service

vavoidaon German Prototype Fund Grants Up to €30,000 for Open Source Projects in 2nd round

nice projects in 1st round https://prototypefund.de/projects/

vavoidaon Germany offers up to €30k for 6 months of working on OSS

talking about funding

100.000 Euro funding available (total €5.5 million) for opendata startups & SMEs https://opendataincubator.eu/apply deadline by 30.08.2016

vavoidaon Startups for #netneutrality

also check http://www.savetheinternet.eu/ 2 days in Europe before the vote

vavoidaon Techstars Grad Codeship Raises $2.6M for Software Deployment-as-a-Service

kudos - great team!

vavoidaon NSA collects millions of text messages daily in 'untargeted' global sweep

metacontent (message content) & metadata -> smiley face, slide 2

interesting definition of metacontent

vavoidaon Developing an App for iOS, Android and Windows Phone - a Comparative Study

great, detailed read

vavoidaon Railsonfire joins Seedcamp and rebrands to Codeship

congrats to the new name!

vavoidaon Milton Friedman's Thermostat

find that explanation shorter & faster, although polsci

http://themonkeycage.org/blog/2012/07/31/milton-friedmans-th...

vavoidaon Search, Mad Men style: A complete IBM 362 Google interface in the browser

btw. for those who enjoy ASCII & dialup-sound check http://www.masswerk.at/googleBBS/

vavoidaon Show HN: A place to buy and sell services directly from each other

interesting rww post & comments

furthermore http://www.avc.com/a_vc/2012/03/the-nature-of-the-firm-and-w...

vavoidaon Show HN: A place to buy and sell services directly from each other

reminds me of this classic

Ronald Coase - The Nature Of The Firm, 20 pages http://onlinelibrary.wiley.com/doi/10.1111/j.1468-0335.1937....

summary http://en.wikipedia.org/wiki/The_Nature_of_the_Firm

btw. great design!

vavoidaon Quantified Self: My Online Life in the last 8 Months

unfortunately not, I haven't used any time tracking software so far - just wanted to point out that the focus of archify is currently not time-tracking

vavoidaon Quantified Self: My Online Life in the last 8 Months

yes, euro-style . vs ,

vavoidaon Quantified Self: My Online Life in the last 8 Months

hi aangjie6,

archify is about finding your personal information, the analysis is a byproduct

for just time tracking, especially desktop applications i recommend you continue using rescuetime