  With the rapid adoption of Internet technologies, digital footprints have
become ubiquitous and versatile to revolutionise the financial industry in
digital transformation. This paper takes initiatives to investigate a new
paradigm of the unified credit assessment with the use of federated artificial
intelligence. We conceptualised digital human representation which consists of
social, contextual, financial and technological dimensions to assess the
commercial creditworthiness and social reputation of both banked and unbanked
individuals. A federated artificial intelligence platform is proposed with a
comprehensive set of system design for efficient and effective credit scoring.
The study considerably contributes to the cumulative development of financial
intelligence and social computing. It also provides a number of implications
for academic bodies, practitioners, and developers of financial technologies.
