Degree Type

Creative Component

Semester of Graduation

Spring 2021


Information Systems and Business Analytics

First Major Professor

Anthony Townsend


Master of Science (MS)


Information Systems


Financial consumer rating is a great way to track an individual consumer’s financial health, their financial decisions, and their financial management. Many countries use financial consumer ratings to gauge how responsible their citizens are when it comes to money. This allows them to know how good one is with their money, and how risky it is for them to lend any type of loan to someone. (Avery et al, 2003) Similarly, many countries now also use rating systems in relation to online platforms and in the ‘sharing economy’, such as eBay, Uber and Airbnb. This rating system helps consumers evaluate their experience and rate in order to help new consumers to make better decisions. (Avery et al, 2003) However, compared to the already existing rating systems in the Western countries, the emerging Chinese Social Credit System suggests a paradigm shift. The Chinese Social Credit System’s target is to formulate a comprehensive rating design based on a mechanism of penalty and reward. (Mac et al, 2009) The government of the People’s Republic of China under General Secretary of the Communist Party of China Xi Jinping's administration has developed a national blacklist called Chinese Social Credit System ` 3 the Chinese Social Credit System in which China rates its own citizens – which includes everything from offline to online behavior. (State Administration of Taxation, 2014) Using Information Technology, the Chinese government intends to maintain and fortify legal, regulatory and policy processes and the Chinese Social Credit System is the manifestation of that intention. (Creemers, 2018)

Copyright Owner

Marwaha, Seerat

File Format


Embargo Period (admin only)