SYSTEM AND METHOD FOR DETERMINING CREDIT WORTHINESS OF A USER

摘要

Disclosed is a method and system for determining credit worthiness of a user on an online platform. The system may comprise a user device further comprising a memory coupled with a processor. The method may comprise analysing the captured personal data, social networking data, the psychometric data and the user's mobile phone metadata and his geolocation data in order to determine user's personal attributes, socio-behaviour attributes, psychometric attributes and socio-economic attributes. The method may further comprise comparing the user- specific print with a plurality of predefined patterns pre-trained by a machine learning model in order to match the user's-specific pattern with at least one of the plurality of predefined patterns. The method may further comprise computing a score for the user based upon the matching of the user-specific print with at least one of the plurality of predefined patterns, wherein the score is indicative of a credit worthiness of the user.