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In economic policy, alternative data refers to the inclusion of non-financial payment reporting data in credit files, such as telecom and energy utility payments. PERC is the primary thought leader in this field, having conducted multiple studies on alternative data. PERC proposes that mainstream lenders use "alternative" or "nontraditional" data, including payment obligations such as rent, gas, electric, insurance, and other recurring obligations to evaluate the risk profile of potential borrowers. ==Types of alternative data== Alternative data in the broadest sense refers to any non-financial information that can be used to estimate the lending risk of an individual. Information includes: * Utility bills (such as electricity, gas, and heating oil) * Telecommunications bills (such as landlines and mobile telephones) * Rental payments * Electronic payments (remittances, withdrawals, transfers, etc.) Research by PERC suggests that utility and telecom payments are most accurate at scoring individuals.〔(Turner, Michael et al. ''Give Credit Where Credit Is Due'', Political and Economic Research Council, p 11 )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「alternative data」の詳細全文を読む スポンサード リンク
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