Big data and digital economy are changing the ways social economic programs are managed and citizens are governed globally. These technology-driven changes may take different forms in different social, political, and cultural environments. Even though governments and businesses around the world have taken a variety of measures to respond to this challenge, credit crisis is still ongoing due to the complexity in regulating the behaviors of credit subjects. China has released initiatives to develop an all-encompassing social credit system with the aim to build trust in government services, commercial sphere, social sphere, and judicial and law-enforcement credibility. It should be emphasized that governing through big data and social monitoring is an issue faced globally not only China. This project aims to do case studies on current social credit systems to fully understand the complexity of the issue, investigate the divergences and convergences in this development, and come up with implications and recommendations for future domestic governance systems.