币界网报道：Major global banks are shifting toward behavioral metrics to assess customer trust by 2025, moving beyond traditional financial indicators like credit scores. Institutions including JPMorgan Chase and HSBC are piloting programs analyzing digital footprints—such as payment consistency, social media activity, and browsing patterns—to create "trust scores." This Web3-aligned approach mirrors decentralized finance's emphasis on on-chain reputation systems. The initiative responds to growing demand for alternative credit assessments, particularly among younger demographics with limited banking histories. While proponents argue it enables more inclusive financial access, privacy advocates warn of potential surveillance overreach. The methodology draws parallels with blockchain-based identity projects like Ethereum's ERC-7231 standard, which aggregates off-chain credentials. Pilot programs show early adopters receiving 7-15% better loan terms based on behavioral reliability metrics. Regulatory bodies including the UK's FCA are monitoring developments, with draft guidelines expected mid-2024.