According to the Telegraph recently, within months a major British bank will start using personality tests as part of its decision making about whether or not to lend to individuals.
In theory this will allow lenders to form an idea of how we would be likely to behave in certain scenarios. It tests our work ethic and, according to the firm that pioneered it, VisualDNA, it assesses our “humility”.
What has this got to do with HMRC?“Do you feel you have a right to material goods such as cars and expensive TVs? Or do you feel you have to earn and afford these things?” asks one of the firm’s directors, in explaining the type of information the test elicits. “Not everyone has a credit score, but they do have a personality.”
Alarmingly the article goes on to speculate that HMRC will adopt this technique, as it has been quick to adopt much of the data-screening technology of the private sector.
This will not end well!
Tax does have to be taxing.
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