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Creditworthy: A History of Consumer Surveillance and Financial Identity in America

的圖書
Creditworthy: A History of Consumer Surveillance and Financial Identity in America Creditworthy: A History of Consumer Surveillance and Financial Identity in America

作者:Lauer 
出版社:Columbia University Press
出版日期:2024-02-20
語言:英文   規格:平裝 / 368頁 / 22.86 x 15.24 cm / 普通級/ 初版
圖書選購
型式價格供應商所屬目錄
 
$ 1500
博客來 博客來
商業理論與工具書
圖書介紹 - 資料來源:博客來   評分:
圖書名稱:Creditworthy: A History of Consumer Surveillance and Financial Identity in America

內容簡介

The first consumer credit bureaus appeared in the 1870s and quickly amassed huge archives of deeply personal information. Today, the three leading credit bureaus are among the most powerful institutions in modern life--yet we know almost nothing about them. Experian, Equifax, and TransUnion are multi-billion-dollar corporations that track our movements, spending behavior, and financial status. This data is used to predict our riskiness as borrowers and to judge our trustworthiness and value in a broad array of contexts, from insurance and marketing to employment and housing.

In Creditworthy, the first comprehensive history of this crucial American institution, Josh Lauer explores the evolution of credit reporting from its nineteenth-century origins to the rise of the modern consumer data industry. By revealing the sophistication of early credit reporting networks, Creditworthy highlights the leading role that commercial surveillance has played--ahead of state surveillance systems--in monitoring the economic lives of Americans. Lauer charts how credit reporting grew from an industry that relied on personal knowledge of consumers to one that employs sophisticated algorithms to determine a person’s trustworthiness. Ultimately, Lauer argues that by converting individual reputations into brief written reports--and, later, credit ratings and credit scores--credit bureaus did something more profound: they invented the modern concept of financial identity. Creditworthy reminds us that creditworthiness is never just about economic "facts." It is fundamentally concerned with--and determines--our social standing as an honest, reliable, profit-generating person.

 

作者簡介

Josh Lauer is an associate professor of media studies at the University of New Hampshire. His historical studies of communication technology, surveillance, and financial culture have appeared in Technology and Culture, New Media & Society, and several edited collections.

 

詳細資料

  • ISBN:9780231216630
  • 規格:平裝 / 368頁 / 22.86 x 15.24 cm / 普通級 / 初版
  • 出版地:美國
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