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Raymond A. Anderson
Goodreads Author
Born
in Medicine Hat, Alberta, Canada, Canada
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February 2026
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“The collection of names and pretended data in the agency books is simply the result of chance contributions of intelligence from, generally, the least self-respecting and least-liked man in his own community.”
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“corporation has no face, yet it asks to be trusted. Its form invoked a debtor made of paper — one that could outlive its founders and bind strangers through rules rather than kinship. Sovereign credit stretched trust across states; corporate credit across commerce. Belief now rested on an organisation with no body, yet with obligations all the same.”
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“Modern bankers deem it unfortunate that they are no longer thought of as gods.”
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“What worked for the rich may not work for the poor; what worked in Johannesburg may not work in Johore.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“The law recognised that intelligence [information] decays—like radioactive waste, but faster.”
― The Foundations of Trust: Trading in Promises: Book One
― The Foundations of Trust: Trading in Promises: Book One
“Villages may function on reputation alone; empires require paperwork.”
― The Foundations of Trust: Trading in Promises: Book One
― The Foundations of Trust: Trading in Promises: Book One
“There is no statistical manipulation that can turn manure into mink!”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“If it were possible to develop scorecards that provide perfect predictions of the future, such technology would be better off applied at the racetrack.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
“A system that remembers every debt eventually becomes oppressive; a system that forgets every debt ceases to function. Between those extremes lies the difficult art of maintaining trust.”
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“King Sophytes (Punjab, 5th century BCE) clearly understood that nothing commands respect like a bird that starts its day screaming at the sun.”
― Why did the Chicken Cross the Road?: A Student's and Intellectual's Guide and Toilet Companion
― Why did the Chicken Cross the Road?: A Student's and Intellectual's Guide and Toilet Companion
“Credit scoring is the industrialisation of trust.”
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
― The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation
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