PEMiG Social Credit operates within the evolving credit scoring industry, specifically
pioneering a "Credit-Score-as-a-Shareable-Value" (CSSV) model. Our primary activity is to
develop and implement a foundational framework that empowers end-users with unprecedented
ownership and control over their credit information, enabling them to leverage social
connections to enhance their creditworthiness. We provide a hybrid credit scoring solution
that combines traditional credit data with alternative data sources and AI/ML capabilities,
alongside a shared liability mechanism, to facilitate credit access for underserved populations,
particularly young adults with limited credit history. Our aim is to transform creditworthiness into
a shared asset within a trusted social network, fostering financial inclusion and mutual support
within communities.

PEMiG

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