[feature/idea] Ethics score for Loan Originators
I think moving forward Mintos will benefit from introducing an Ethics Score for LOs that evaluates how "fair" are the loans issued. For example by evaluating their marketing strategy or how transparent they are with their costs.
I'm on Mintos to protect my savings and to hopefully see them grow, but at the same time I don't want to be part of any unethical practices.
I was honestly a bit surprised when I tried to search "ethic" in the About section. I just found some references on environment and equal opportunity employment. Maybe I missed some relevant documents, in that case I'll be happy to know more from the Mintos staff.
thank you
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Great idea. An ethics score might also say something about regulatory risk, which already a lot of LO's had to deal with.
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Good feature, that probably is hard to track.
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Just to add 2 cents here: how ethical is charging the end customers 300%+ annual rate for a loan they are dire to get? You're definitely here not because of ethical reasons.
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That's a really thoughtful point—an Ethics Score would definitely add a layer of trust for investors who care about where their money sleeps. Transparency in marketing is often overlooked, yet it tells you so much about a company's long-term vision. Speaking of which, when I'm analyzing how different platforms present their value propositions, I usually take a look at their entire funnel to see if the promises match the actual user experience. It's the same diligence I apply before committing funds anywhere. Have you noticed any specific LOs whose practices felt more transparent than others?
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That's a really thoughtful point about the Ethics Score for LOs, and I completely agree that transparency in lending practices matters just as much as returns when you're trying to invest responsibly. It's interesting how we evaluate trustworthiness in financial platforms through their marketing clarity and data analytics, much like when I'm analyzing website traffic sources or user behavior metrics. If you're curious about how different platforms track engagement and optimize their conversion funnels, you can take a look here at some interesting analytics approaches. Have you noticed how Mintos presents their loan originator data compared to other P2P platforms you might use?
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