Today the magic formula has many parts: openness to people and capital, the time zone, proximity to subsea data cables, and posh schools.

如今，这个神奇的公式有很多部分：对人和资本的开放、时区、接近海底数据电缆以及豪华的学校。

All it ever sees are electrochemical signals that come in along different data cables, and this is all it has to work with, and nothing more.

它看到的一切都是电化学信号，这些信号来自不同的数据连线，这就是大脑要处理的全部东西， 除此之外并无其他。

The interesting thing is that banks and financial technology companies have really innovated in recent years to use alternative data -- cable bills, utility bills, rent payments, etc. -- to show that you're able to consistently make payments.

有趣的是，银行和金融科技公司近年来真正创新地使用替代数据——有线电视账单、水电费、租金支付等。 -- 表明您能够持续付款。