# SocialCredit+

arXiv: https://arxiv.org/abs/2506.12099 · HTML: https://mlsanity.com/paper/2506.12099/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 0 of its 5 references that are in the map.
- First posted on arXiv 12 Jun 2025.

## Abstract (arXiv)

SocialCredit+ is AI powered credit scoring system that leverages publicly available social media data to augment traditional credit evaluation. It uses a conversational banking assistant to gather user consent and fetch public profiles. Multimodal feature extractors analyze posts, bios, images, and friend networks to generate a rich behavioral profile. A specialized Sharia-compliance layer flags any non-halal indicators and prohibited financial behavior based on Islamic ethics. The platform employs a retrieval-augmented generation module: an LLM accesses a domain specific knowledge base to generate clear, text-based explanations for each decision. We describe the end-to-end architecture and data flow, the models used, and system infrastructure. Synthetic scenarios illustrate how social signals translate into credit-score factors. This paper emphasizes conceptual novelty, compliance mechanisms, and practical impact, targeting AI researchers, fintech practitioners, ethical banking jurists, and investors.