Figure 2
The diagram illustrates the thematic data analysis process, starting with initial codes such as sophisticated algorithms, mobile computing, advanced storage and networking, borrowers data disclosure, information flow, financial information restructuring, value co-creation, customer centric, extension of access, screening and monitoring of borrowers activities, precise risk estimation, transparency of borrowers data, and borrowers specific information. These initial codes lead to sub-themes like de-obfuscating financial information flow, coordinated flow of financial information, data-driven analysis of historical customer data, algorithmic scanning pattern, internet browsing histories, machine-based learning and financial information flow, disintermediate and restructure the financial information flow, and contextualized information gathering for a specific domestic borrower, personalized customer-centric experiment. Thematic data analysis process