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4 problems · all 20 on the Index

Ed. 1

FinanceProblem 0007

Small firms are assessed on documents they were never required to produce. Audited accounts, filed returns and collateral registries are what credit models expect; a profitable shop with a phone, a supplier relationship and ten years of trading has none of them. The lender cannot see the business, so the business does not exist to the lender, and the money goes to whoever already had the paperwork.

Who lives with itOwner-managed and informal firms · community and development lenders · the suppliers already extending them credit informally

Why nowThe IFC estimates an unmet financing need of about $5.2 trillion for formal micro, small and medium enterprises and a further $2.9 trillion for informal ones, with roughly 70% of MSMEs in emerging markets lacking adequate finance: firms that together account for around 70% of employment worldwide.

Why it matters · the JudgeThe signal exists and is being thrown away: supply ledgers, payments, logistics records and phone data describe a business more honestly than a filed account. Turning transaction exhaust into a defensible credit view is the product, and the financing gap it would help close is measured in trillions.

Inspired by reporting from International Finance Corporation

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Ed. 1

Public sectorProblem 0013

Benefits, banking, health records and school places are moving to interfaces that begin by asking you to prove who you are online. Hundreds of millions of people cannot prove who they are at all, and billions more have no digital means of doing it, so each service added to the digital channel quietly removes itself from the people who most need it, while the statistics record improved efficiency.

Who lives with itPeople without foundational or digital ID · agencies moving services online · the frontline staff handling every exception by hand

Why nowWorld Bank ID4D data puts around 800 million people without official proof of identity and about 2.8 billion without an online digital ID, improving from 3.3 billion in 2021, with the steepest barriers still falling on women, rural populations and poorer households.

Why it matters · the JudgeDigitising a service without a route for people who cannot authenticate does not reduce the work, it moves it to an exception queue nobody resourced. Tools that let agencies serve people who cannot authenticate online (assisted verification, trusted intermediaries, alternative credentials) are unglamorous, needed at scale, and a place a focused team can start.

Inspired by reporting from World Bank ID4D

A funded startup to make a dent in
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Ed. 1

CitiesProblem 0021

"Accessible" on a listing might mean a ramp, or one step, or a lift that has been broken for a month, or a toilet being used as a storeroom. The most reliable account usually comes from another disabled person who has actually been there. That knowledge exists in enormous quantity, scattered across forums, group chats and reviews, and the maps and guides that gather it cover only part of it, each in its own terms, so it is rarely there to check before leaving the house.

Who lives with itWheelchair users and people with limited mobility · blind, deaf and neurodivergent travellers and people with hidden disabilities · carers planning a trip · venues that are accessible and cannot prove it

Why nowAccessibility information is still largely self-declared by the venue, with no shared definition of what the word covers and little route for correction when it is wrong.

Why it matters · the JudgeA sharply defined information gap with a motivated community already producing the data for free. Structure is most of the product, and the people who need it are the people best placed to build it.

Framed by Ainna editorial

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Ed. 1

Public sectorProblem 0022

Local government publishes its decisions (planning, licensing, budgets, minutes) and publishing is where the obligation stops. They arrive as scanned documents with inconsistent names, in systems searchable only if you already know what you are looking for. A decision that changes a street is technically public and practically private.

Who lives with itResidents and neighbourhood groups · local reporters · small developers and community organisations

Why nowLocal newsrooms have continued to close in many markets, removing the layer that used to read these documents on everyone else's behalf.

Why it matters · the JudgeThe information is already public, already funded and already digital. Making it findable is a data problem rather than a political one, which is why it is tractable, and why it keeps falling between mandates.

Framed by Ainna editorial

A hackathon to make a dent in
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Solve it →Full problem

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