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There is some good discussion on HN about the realistic nature of this estimated expense and how it is not likely out-of-line with what it should be and may actually be quite reasonable.

https://news.ycombinator.com/item?id=22317244

That's interesting

Some of the assumptions underlying the Black-Scholes model. Do these limit its realism and predictive power?

Financial crisis? Only 10 years ago?

credit scoring based on phone use and telco data

Branch Financial inclusion mobile banking credit Matt Flannery

financial inclusion startup

big data scoring credit score financial inclusion

Real interest rate = interest rate - inflation

This may be a front group. Investigate, find additional sources, and leave research notes in the comments.

unplanned change that will allow the government to overcome initial resistance