“TrustScore” fintech machine-learning: growing the UK economy from enabling underserved communities to access mainstream financial services by building a credit-file through their established practice of saving clubs

被排除在金融服务之外影响了英国数百万人的生活。它损害了英国经济：造成金融不安全感，阻碍创业精神，增加失业率、社会保障和医疗成本。缺乏信用评级是金融包容性的主要障碍。解决这个问题将有助于用户获得成本更低、更实惠的贷款和其他金融服务。TrustScore提供了一个机会，通过记录用户的可信度来解决这个问题，反映在他们对储蓄圈的参与上。TrustScore的好处是为所有英国储蓄圈的用户提供的。

Exclusion from financial-services blights the lives of millions in the UK. It damages the UK economy: creating financial-insecurity, stunting entrepreneurism, increasing unemployment, social security and healthcare costs.Lack of a credit-rating is a key barrier to financial-inclusion. Overcoming this problem would help users to access lower-cost, more affordable, loans and other financial services. TrustScore provides an opportunity to address this through recording users' trustworthiness, reflected in their participation in saving-circles.TrustScore's benefits are for all UK users of saving-circles.