“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

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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.