Flagbearer of the governing New Patriotic party (NPP), Dr. Mahamudu Bawumia says individualized credit scoring will be rolled out in Ghana before the end of this year to make life easy for Ghanaians who may want to purchase items on credit and pay overtime. The move, according to the Vice President, will transition the country from a cash-based system and help young businesses to grow.  Speaking at a ceremony to commemorate International Youth Day at the Pentecost Convention Center in the Central Region on Monday, Dr. Bawumia stressed on the transformative potential of this new credit system. "This system will open up new opportunities for individuals and small businesses to access credit, which in turn will drive economic growth and job creation. "We are shifting from a cash-based system to a credit-based one, where credit scoring will enable lenders to make informed decisions. This means that someone, like a hairdresser who has just completed training, can purchase equipment on credit and pay in small installments over time.