Empowering Freelancers & Gig Workers with Fair Credit Access 💳📊
Built for Financial Inclusion • Designed for the Digital Economy
🔗 GitHub:
👉 https://github.com/Sohaan24/hackathon
| Category | Details |
|---|---|
| Team Name | Coders Squad |
| Project Title | Gig-Score |
| Domain | Financial Inclusion & Alternative Credit Scoring |
| Objective | Build a high-fidelity, production-ready FinTech dashboard for gig workers |
👨💻 Soham Chopade • 👨💻 Sohan Chaudhari • 👨💻 Sanket Shevale • 👨💻 Sarthak Fursule
India is facing a growing “Credit Invisible” Crisis.
Millions of gig workers and freelancers earn through:
🚕 Ride-hailing platforms
🍔 Delivery services
💻 Freelancing marketplaces
📱 Digital content platforms
Yet they struggle to access formal credit because:
- ❌ No CIBIL credit history
- ❌ No salary slips
- ❌ No employer verification
- ❌ Irregular income patterns
Despite active UPI usage and bank accounts, they are treated as high-risk borrowers.
This forces many to rely on informal lenders charging 40–50% interest, leading to financial exclusion and debt traps.
Gig-Score is an AI-powered alternative credit scoring platform built specifically for the gig economy.
Instead of traditional salary-based models, we analyze:
📊 Platform payout history
📈 Income consistency & trends
⭐ Work activity & ratings
💳 Cash-flow behavior
We convert this alternative data into a transparent and reliable Gig Credit Score.
✔ 6–12 month income analysis
✔ Stability index calculation
✔ Risk categorization (Low / Medium / High)
✔ Alternative data-driven scoring
📊 Credit score meter
📈 Income growth visualization
📋 Earnings summary analytics
🟢 Risk-level indicators
🤖 AI-generated financial insights
💰 Estimated loan amount
📉 Suggested interest range
🧮 EMI affordability estimation
🎨 Clean FinTech design
📱 Fully responsive layout
🔐 Trust-focused architecture
- React.js
- Tailwind CSS
- Recharts
- Framer Motion
- Node.js / Express
- AI/ML scoring engine
- Secure API integrations
User Connects Platforms
↓
Income & Activity Data Collected
↓
AI Stability & Risk Analysis
↓
Gig Credit Score Generated
↓
Loan Eligibility Displayed
Gig-Score aims to:
✔ Promote financial inclusion
✔ Reduce high-interest informal lending
✔ Enable fair borrower evaluation
✔ Support India's growing digital workforce
✔ Help lenders assess alternative borrowers
We believe creditworthiness should be based on financial behavior, not employment type.
- Encrypted data processing
- Secure authentication
- Privacy-first architecture
- Responsible alternative data usage
- Real-time gig platform integrations
- Advanced ML-based risk modeling
- Bank & NBFC partnerships
- Micro-credit products
- Insurance & pension integration
🚀 Built with passion at INNOVERSE 2026 by Team Coders Squad
Reimagining Credit for the Digital Workforce