Author ORCID Identifier

Year of Publication


Degree Name

Master of Arts (MA)

Document Type

Master's Thesis


Arts and Sciences



First Advisor

Dr. Matthew Zook


This thesis investigates the production and management of consumer debt on digital platforms. First, this study investigates how borrowers navigate spaces of debt and indebtedness created by fintech consumer lenders. Second, this thesis analyzes the process and impact of ‘alternative’ data and machine learning on fintech credit scoring models. As consumer lending ‘moves online’, this research analyzes the increasingly important role of digital spaces in the creation and management of debt. Tracking the interfaces and algorithms used by online consumer lenders, I weave together insight from digital and financial geographies to argue that digital technologies are enabling firms to marketize new channels and experiences of consumer debt.

Digital Object Identifier (DOI)

Funding Information

This study was supported by the Barnhardt Withington in 2020.