Credit score is too … 20th Century. How about a new score? What if you could get the score to decide on the benefits you’d get. So you missed a payment, so what? Why should my future credit-worthiness be judged based on just this one miss, right? So how about we include more factors that would decide how you are treated, in a more real-world scenario, more like how your friends treat you. So what would we need? How about:

– What kinds of people you hang out with (from social networks)

– The kind of items you buy online (from the million e-commerce sites you visit)

– Your browsing data (if that isn’t already tracked all over the place)

– Basically any activity that you do online



Interested? Sounds awesome, right? Why wouldn’t you want to let the government judge you based on your online behavior? Let’s get onboard…no? Not interested?


Well if you are a citizen of a “certain” country (no names here, search for sesame credit), you won’t have a choice by 2020. This “certain” government has partnered with and Tencent to track it’s citizens across their online footprint, from social networks to their online purchasing patterns. Users will be rated on their “patriotic” selves. What this translates to is, to level up, do, see, buy, take part in only what is approved by the government. Or else, your score goes down.


Well if that doesn’t scare you, here’s more. Your friends, people you hang out with, people you interact with impact your score. So, if you hang out with people that have a low score, your own score is weighed down. AND THEY SHOW YOU WHO’S BRINGING THE SCORE DOWN. All you have to do then, is get rid of that person from your life and you’re all set. Fascinating, isn’t it?


Early adopters, the people who already consider themselves as patriotic, have already started to embrace this new credit system. It’s a gamified version of life. I don’t know about you but I’d be terrified of such a system. I’d love to have a discussion on where things might end up 10 years, 50 years or 100 years down the line, if such a system was actually put into place. I’d like to see where other people see this going and how, if at all, they can survive hiding from such a system (basically just go offline, I guess). There’s all these sci-fi movies and series that portray outlaws in a highly regulated system (think firefly, star wars). What would constitute an outlaw in this scenario and how would they survive? Reply below and we can have a conversation going .


(Credits: Extra Credits)

-Akshar Rawal