Empowering Freelancers & Gig Workers with Fair Credit Access 💳📊
Built for Financial Inclusion • Designed for the Digital Economy

🔗 GitHub:
👉 https://github.com/Sohaan24/hackathon

👨‍💻 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