In reviewing Shenette Garrett-Scott’s new book “Banking on Freedom: Black Women in Finance Before the New Deal,” one of the most intriguing pieces for me was exactly how St. Luke’s Bank, America’s first bank founded by black women, was able to use social information to improve their underwriting and uplift their community. When “fintech” talks about using social network information, it normally seems like a workaround for people from wealthy communities to ‘skip to the front of the line’ before they have their own track record of responsible financial behavior. But St. Luke’s Bank was closely tied to a fraternal order, the Independent Order of St. Luke, that brought together…