The Social Impact of Pythagor: Data, Inclusion, and Sustainability through Theorem©

From Artificial Intelligence to the UN 2030 Agenda, how Pythagor helps build a more equitable and resilient economic system by better understanding local contexts to shape their future. Alignment with the expectations of the Bank of Italy, the EBA, and global sustainability goals.

Theorem© by Pythagor improves the social impact of retail and tourism activities

Blog post #6, 4.5.2025

Today, geomarketing can be much more than a tool for choosing the best business location. With predictive models like Theorem©, technology becomes a practical ally in promoting economic development, environmental sustainability, and social justice.

In this post, we explore a topic we care deeply about—especially considering that in 2024 Pythagor was selected for the Get It! program, promoted by the Fondazione Social Venture Giordano Dell’Amore in partnership with Cariplo Factory, dedicated to initiatives with social impact.

We refer specifically to the transformative potential of the Theorem© platform for Italy’s productive and urban landscape. The impact we describe here is primarily economic in nature—but not only.

Recent studies by the Bank of Italy, and earlier by the European Banking Authority (EBA), have identified access to credit as one of the main growth barriers for small and medium-sized enterprises. Many retail operators lack a solid credit history, often excluding them from investment opportunities. In fact, most Western financial systems base credit access almost entirely on individual historical data.

Here lies one of Pythagor’s key innovations: with Theorem©, credit evaluations can be integrated with objective, area-specific data, allowing institutions to assess whether a business plan is solid based on broader indicators—without ignoring standard financial requirements, of course.

Theorem© supports credit issuance and monitoring by providing banks, consultants, and investors with insights on: 

• the attractiveness of a location;

• the presence and nature of nearby businesses (including competitors);

• average rental costs;

• significant changes in the initial data or market environment.

This creates a powerful inclusion lever: by accessing alternative data sources and applying models that analyze them effectively, Theorem© expands credit access to client segments traditionally excluded—such as those without personal guarantees, young entrepreneurs, or immigrants.

More broadly, the aforementioned studies show how AI and machine learning systems (which Pythagor is integrating into Theorem©) can improve default predictions by 2–10%, and in some cases even up to 14%, compared to traditional statistical models.

Thanks to granular territorial indicators—like pedestrian traffic, commercial saturation, and trend analysis—Theorem© enables not only more inclusive and responsible credit decisions, but also continuous monitoring of external variables by banks and other stakeholders that may impact retail or tourism businesses.

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Pythagor’s solution also aligns with several goals of the UN 2030 Agenda for sustainable developement, contributing meaningfully to their achievement. Below are the key objectives and how Theorem© supports them:

Goal 8 – Decent Work and Economic Growth

• Promote per capita economic growth, in line with national circumstances;

• Achieve higher productivity through diversification, technological upgrading, and innovation, especially in high-value-added and labor-intensive sectors;

• Promote development-oriented policies that support entrepreneurship, decent job creation, innovation, and SME growth—especially via improved access to financial services;

• Improve resource efficiency in consumption and production.

Real-time market intelligence supports the orderly development of retail and tourism—two sectors that are foundational to Italy’s economy, especially in Southern regions.

Big data analysis and predictive tools help optimize the use of both human and financial resources in these labor-intensive industries.

By investing in and better managing enterprises through analytics and monitoring, we help stabilize employment, reduce informality and precarity, and enable long-term planning for collaborators. Improved creditworthiness leads to better financing terms and broader business continuity.

Ultimately, a more efficient market leads to more rational use of resources, based on actual demand.

Goal 10 – Reduce inequalities

• Sustain income growth for the bottom 40% of the population at a rate higher than the national average;

• Ensure equal opportunity and reduce inequalities of outcome.

Retail and tourism are sectors where around 95% of the workforce is made up of apprentices and workers. Improving efficiency and planning supports income growth for lower-skilled personnel, often hired under less secure contracts.

The retail sector includes over 50% women and approximately 24% foreign workers—making it one of the most balanced in terms of occupational diversity. It therefore deserves targeted investment that promotes inclusivity and addresses the gender and ethnicity pay gaps.

By guiding smarter investments, Theorem© helps ensure these sectors thrive, delivering broad social and economic returns.

Goal 11 – Sustainable cities and communities

• Enhance inclusive and sustainable urbanization and the capacity for participatory, integrated, and sustainable human settlement planning and management.

Theorem©’s analysis of potential customer presence enables equitable territorial planning by public authorities.

This supports a more balanced distribution of businesses, reduces dependency on cars, and promotes human-scale urban development inspired by the “15-minute city” model.

Goal 12 – Responsible consumption and production

• Halve per capita global food waste at the retail and consumer levels.

Understanding local demand allows food & beverage operators to reduce waste and overproduction, improving supply chain sustainability.

In Italy, food waste is valued at over €15 billion annually—every percentage point reduced is a meaningful achievement.

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Conclusion: Pythagor enables a holistic system

Theorem© represents more than just a geomarketing tool. Its true strength lies in its accessibility: anyone—regardless of company size—can gain insights typically reserved for large firms or research centers.

This is the true social value of Pythagor: democratizing critical knowledge so that everyone can make better decisions, reduce failure rates, and access new opportunities.

Nowhere else in the world is there a platform that democratizes so much impactful information across so many sectors!

Your success starts here!

                                                                                                                                              SMM

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