Well that is quite clear by your persistent inane replies.
Tell me where I have said they use it to approve applications?
One question, Do they have access to the data or not?
A very simple question, which you refuse to acknowledge.
You and your mates point is that they would ring people and fudge the numbers - so you are right, you just don't get it but you will continue.
Why BNPL and why APT?, page-76
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