Your browser history could soon be a part of your credit score

As everyone from Facebook to Apple is taking a close look at financial services, the International Monetary Fund (IMF) has been wondering what aspects of tech are going to turn finance on its head next. 

Researchers at the IMF, the world’s lender to nations in times of financial crisis, have highlighted why fintech has emerged in the past decade as physical banks have been receding. 

They outline how smartphones, online search and social media have helped drive financial innovation through the use of non-financial data, such as a user’s browser-type, the device being used, a person’s history of online searches,