Dear all, 
Reference: Lecture Mon 19 Sep 2011 on market space. 
We heard about risk and credit worthiness from Prof. Terrence. Here's the link of the article he told us to check from his tweet. Correct me if I'm mistaken.

Link:"How Kabbage Crowdsources Credit Scores" http://www.businessweek.com/magazine/how-kabbage-crowdsources-credit-scores-09152011.html 

Cheers!
Jovin Hurry