Credit scoring
beyond traditional box
PCS is a revolutionary private, AI-driven, multi-dimensional creditworthiness scoring system that enables fair evaluation of India's underserved populations—farmers, gig workers, influencers, and freelancers—through consent-driven, zero-data-retention technology.
The 95% Exclusion Problem
Traditional credit scoring systems exclude 95% from accessing credit cards and formal lending, relying solely on limited credit history data.
Traditional Systems
- Only 5% have credit cards
- Relies on formal credit history
- Excludes diverse professionals
- Static, outdated assessments
- Privacy concerns with data storage
PCS Solution
- Includes the underserved 95%
- Multi-dimensional evaluation
- Alternative data sources
- Real-time AI assessment
- Zero data retention
How PCS Works
A streamlined, secure process that protects user privacy while delivering comprehensive creditworthiness assessment.
OTP Consent
User provides secure consent via OTP verification. No personal data is permanently stored anywhere in our systems.
AI Analysis
Advanced AI processes user data across 10 comprehensive dimensions to calculate creditworthiness score (0-1000) in real-time.
Cert Generation
User generates a one-time-use certificate for $21, valid until first bank verification attempt.
Bank Verification
Banks verify certificates at zero cost. Certificate expires after first verification, ensuring security and preventing reuse.
12-Dimensional Scoring System
Comprehensive evaluation across multiple dimensions provides a holistic view of creditworthiness beyond traditional credit history, totaling 0-1000 points.
Credit Score
Traditional credit history and payment behavior analysis
Education Score
Basic math, geography, and science knowledge assessment
Skill Score
Professional competencies and technical abilities evaluation
Exposure Score
Profession type, market reach, and work domain analysis
Position Score
Career trajectory and professional standing assessment
Employment Score
Job stability, income consistency, and employment history
Marriage Union Score
Marital stability and joint financial responsibility
Communication Score
Professional communication skills and social credibility
Assets Score
Property portfolio and financial asset evaluation
Transparent Pricing & Reward Structure
Clear, fair pricing with performance-based rewards that align incentives for all stakeholders.
For Users
For Banks
security Loan Performance Guarantees
Banks receive scaled guarantee payouts when borrowers default, based on score thresholds and payment duration:
Empowering India's Underserved Professionals
PCS opens credit access for diverse professional backgrounds traditionally excluded from formal lending.
Farmers
Agricultural professionals with seasonal income patterns and land-based assets
Gig Workers
Delivery partners, ride-share drivers, and platform-based service providers
Influencers
Content creators and social media professionals with digital presence
Programmers
Software developers and technical professionals, especially freelancers
Freelancers
Independent contractors across various industries and skill domains
Small Business Owners
Entrepreneurs and small-scale business operators without formal credit history
Robust Security & Fraud Protection
Multi-layered security measures with strong financial deterrents ensure system integrity and prevent fraudulent usage.
Three-Strike System
Fraudulent certificate usage triggers a progressive penalty system. After three verified fraudulent attempts, the user's ID is permanently suspended from the platform.
Suspension Release Fees
First-time release: ₹10 Lakh
Subsequent releases: ₹1 Crore
High financial barriers deter repeat offenses.
Certificate Expiry
Certificates expire immediately after their first verification attempt by any bank, even if the verification is fraudulent, preventing certificate reuse.
Transform Credit Access in India
Join the financial inclusion revolution. Enable fair, comprehensive, and privacy-first creditworthiness assessment for India's underserved populations.