Greece launches algorithmic private‑debt credit‑scoring system

The Greek government is preparing an algorithmic credit‑scoring platform for private‑debt borrowers that will operate through the gov.gr portal. The system will combine data from tax filings, income, property, social‑security contributions, insurance payments, auctions, restructurings and bankruptcies to predict future repayment behaviour. Individuals and companies will receive a rating ranging from top‑tier (A) to high‑risk (C‑) based on both their repayment capacity and past payment intent. In the pilot phase the scores will be informational only and will not yet dictate banking terms, though future integration with lenders and the “Tiresias” credit bureau is envisaged.

The rollout is part of a broader digital‑government transformation led by the General Secretary of Information Systems, Demosthenes Anagnostopoulos. He emphasises the use of the Unified Personal Number and AI to provide proactive, personalised services—informing citizens of benefits and obligations before they request them—mirroring private‑sector CRM approaches.