Very funny pictures http://www.semanariolocal.cl/forumkaimrcmedsa-68ee.pdf kaimrc.med.sa/rss/register/  One firm using this approach is Lenddo, which calls itself a "trust-based lender" and so far lends in emerging markets like the Philippines and Mexico. It was explicitly established to "leverage the data in social networks" and believes borrowers' online reputations - measured through their activity on Facebook and so on - will be a valuable way of assessing their creditworthiness.