👉 Credit computing is an innovative financial technology that leverages data analytics and machine learning to assess creditworthiness, providing a more dynamic and inclusive approach to lending. Unlike traditional methods that rely heavily on credit scores and historical financial data, credit computing uses a broader range of data points, including transaction histories, social media activity, and even behavioral patterns, to evaluate an individual's or business's credit risk. This approach allows financial institutions to extend credit to a wider audience, including those with limited or no credit history, by identifying potential risks and opportunities based on real-time data. As a result, credit computing enhances financial inclusion, improves risk management, and can lead to more personalized and efficient lending practices.