Data 101 with Credit Karma's former Lead Data Scientist
The Product Podcast
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The Best Predictor of a Person's Behavior
The best predictor of a person's behavior is what they've done in the past. The biggest predictor of somebody getting a car loan is whether they just get the mortgage. You can also ask people how much money you make, but that doesn't actually answer much how much you can afford on the car. People buy cars when their cars break. No data science can tell you because if they did, you could sell that to automotive manufacturers.
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