Financial start-ups worldwide are developing methods like Zhima’s scoring system to help sell loans to people without a credit score. Facebook holds a patent on a credit score that takes into account the scores of your friends (albeit that it hasn’t done anything with it, yet). Health insurance companies are starting to offer discounts to people who wear fitness trackers. It’s easier than ever to generate, collect and process vast amounts of data about us: to make money, certainly, but as we’ve seen with Cambridge Analytica, there are also political implications.