The Narrative and the Algorithm: Genres of Credit Reporting from the Nineteenth Century to Today

  title={The Narrative and the Algorithm: Genres of Credit Reporting from the Nineteenth Century to Today},
  author={Kenneth Lipartito},
  journal={O\&M: Firms \& Other Social Institutions eJournal},
  • K. Lipartito
  • Published 6 January 2011
  • Economics
  • O&M: Firms & Other Social Institutions eJournal
Credit reporting is a contested process whereby parties with distinct interests (borrowers, lenders, and intermediaries) jointly construct the form, method, and style of credit assessment. In contrast to theories that argue information should grow more secure and credit relationships more transparent over time, the conflicted struggle over representation produces different styles or “genres” of credit evaluation that are compromises between the interests of the different parties. Thus, in the… 

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