An in depth analysis on the importance of personal credit scores, social media
presence in investment decisions by fintech platforms, Venture Capital,
producer/consumer dynamics and Angel Investors: case study of Byjus and
Unacademy

Shiv Pratap Sehgal

doi:10.46609/IJSSER.2026.v11i09.051

Title: An in depth analysis on the importance of personal credit scores, social media presence in investment decisions by fintech platforms, Venture Capital, producer/consumer dynamics and Angel Investors: case study of Byjus and Unacademy
Authors: Shiv Pratap Sehgal
Journal: International Journal of Social Science and Economic Research (IJSSER) ISSN: 2455-8834 Volume: 11 Issue: 9 Publication Date: September 2026 DOI: 10.46609/IJSSER.2026.v11i09.051
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Shiv Pratap Sehgal The Shri Ram School Moulsari
MLA 8 Sehgal, Shiv Pratap. "An in depth analysis on the importance of personal credit scores, social media presence in investment decisions by fintech platforms, Venture Capital, producer/consumer dynamics and Angel Investors: case study of Byjus and Unacademy." Int. j. of Social Science and Economic Research, vol. 11, no. 9, Sept. 2026, pp. 5301-5309, doi.org/10.46609/IJSSER.2026.v11i09.051. Accessed Sept. 2026. APA 6 Sehgal, S. (2026, September). An in depth analysis on the importance of personal credit scores, social media presence in investment decisions by fintech platforms, Venture Capital, producer/consumer dynamics and Angel Investors: case study of Byjus and Unacademy. Int. j. of Social Science and Economic Research, 11(9), 5301-5309. Retrieved from https://doi.org/10.46609/IJSSER.2026.v11i09.051 Chicago Sehgal, Shiv Pratap. "An in depth analysis on the importance of personal credit scores, social media presence in investment decisions by fintech platforms, Venture Capital, producer/consumer dynamics and Angel Investors: case study of Byjus and Unacademy." Int. j. of Social Science and Economic Research 11, no. 9 (September 2026), 5301-5309. Accessed September, 2026. https://doi.org/10.46609/IJSSER.2026.v11i09.051.
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ABSTRACT: Fintech companies factor in various financial details, before investing. Social media content on the company and credit rating scores are additional factors that are looked into. The importance of social media and credit rating companies are important in portraying the image of the company, especially if it is in the consumer space. The appreciation as well as the brickbats that are written with regard to these companies, impact the mindset of other social media users as well as it acts as an indicator of the public’s sentiments with regard to the services and the products that are being provided. These two platforms social media and credit rating scores may not be the ultimate decisive factors but they definitely play an important role. This was clearly seen in the two case studies that have been considered namely Byju’s and Unacademy. The initial response to the idea, concept as well as the practicality was praised across social platforms; reaching it’s peak during the pandemic, as is corroborated in the timeline for funding given in the paper. But as the services provide by Byju’s declined, the funding also stopped. Unacademy following a different business model and is still doing well and flourishing. The paper analyses these various aspects and it’s impact on funding decisions.

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