Safety 4.0, Data & AI Ethics at HSPC PDC2026
The session opened with two retail classics. In 2002, Target's analysts combined loyalty-card, purchase, and demographic data to predict that a teenage customer was pregnant and mailed her baby-product coupons before she had told her family. In 2014, Canadian Tire, then Canada's second-largest Mastercard issuer, combined retail purchases with credit data and found that items such as a chrome license-plate frame or cheap potting soil predicted default risk more fairly than a credit score.





















