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nus-cs2113-AY2021S2 / pe-dev-response

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(Feature Flaw) CreditScore should be more robust #103

Open nus-pe-bot opened 3 years ago

nus-pe-bot commented 3 years ago

Issue 1: Person who has loaned money for a very long time or did not even pay back should not have a positive credit score:

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Issue 2: Person who has loaned a very large amount of money but did not pay back should not even have a positive credit score (still 50?)

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TL;DR Creditscore is an insufficient feature to judge actual loan/credit rating because it does not take into account 1. (unreasonably long) length of return of loan, 2. if the person has paid back loan at all, or 3. amount of loan.

[original: nus-cs2113-AY2021S2/pe-interim#103] [original labels: severity.Medium type.FeatureFlaw]

jonahtwl commented 3 years ago

Team's Response

As mentioned in our application, the credit score system is provided for users as a soft gauge in making their loan decisions. And as of the current implementation of v2.1, we are fixing the range of penalty based on the way we design the credit score system. As for the future development, which is what was specified in the issue, we will be allowing the user to set their preferred range of penalty. (which will include options like setting the date threshold, the score amount deducted etc.) Hence, the issue might not be applicable to the current development of our application.

Duplicate status (if any):

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