Financial Inclusion and Empowerment

08 Decent work and economic growth09 Industry, innovation and infrastructure
  • Original Title: MICC
  • Year: 2021
  • Award: World Summit Award
  • Category: Inclusion & Empowerment
  • Producer: Jonah Chininga, Sergio Fernandez, James Muhato, Maryheth Cabrera
  • Country: Canada
  • URL:

This app solves the credit invisibility problem in North America. This affects 35.3% of Canadians who do not have a credit report or insufficient data to generate a credit score. In Canada, credit scores are calculated using payment history, outstanding debt, credit account history, recent inquiries, and types of credit. This metric allows people to access low-interest rates on credit products such as small business loans, mortgages, auto loans, and more, easier approval for better houses and apartments, and better insurance rates.

MICC offers a mobile application and a prepaid Mastercard in partnership with people´s trust bank and Mastercard. Users can download the app from the app stores, create an account in under 2 minutes and facilitate group transfers in real time.


MICC is a social group lending platform that allows friends to pool funds, access interest-free loans, and build a credit history.