MCS, a UK-based fintech SME, is collaborating with CredComTech on this project. MCS has a core project team of Dr Tom Woodroof (physicist), Dil Green (architect and serial entrepreneur) and Miles Thompson (CTO and data scientist). Tom Newman from CredComTech is the development team lead. SMEs across the UK currently experience problems of bad debt and late payment, and consequent disproportionate vulnerability to insolvency. Using data analytics as a basis for new initiatives to address the root causes of these problems could boost local economies and enable networks of businesses to understand and respond to their specific economic challenges and opportunities. However, granular trading information is sparse, with the limited information that is available coming from various national-level sources. Without more targeted analytical resources, local economies will continue to suffer, particularly in the crucial SME sector. MCS is addressing these challenges by developing a Trade Credit Club (TCC) platform, a local data ownership fintech platform where businesses can safely share trading information, from which effective analytics and interventions can be developed. MCS will form partnerships with activist business networks in building local TCCs at low cost. These TCCs will offer immediate, tangible and measurable business benefits through systematic debt reduction at cheaper rates than currently possible.With this project, MCS aims to empower communities to build shared agency around the character, conditions and development of their economic context. The TCCs will create a social, economic and governance framework that aligns individual and collective financial incentives and rewards collaboration. In the wider economy, TCCs will safeguard and create jobs through increased business survival and growth rates.