Among the two startups’ findings from running hundreds of millions of loan applications: iPhone users tend to have lower late-payment rates than Android phone users, and people who don’t answer calls or whose outgoing calls go unanswered represent a higher default and fraud risk. Other red flags: making many changes when filling in the application, letting batteries run down and changing phones frequently. Multiple applications from a single Wi-Fi hot spot is a danger sign. And users who borrow in one city but spend in another are poorer risks.

https://www.wsj.com/articles/want-a-loan-in-china-keep-your-phone-charged-1491474250