'credit-centric' originates from the combination of 'credit' and the suffix '-centric', where 'credit' refers to the trust in a borrower's ability to repay a loan, and '-centric' means focused or centered around.

'credit' comes from the Latin word 'creditum', meaning 'a loan', and '-centric' is derived from the Greek word 'kentrikos', meaning 'pertaining to a center'.

Initially, 'credit' referred to trust in financial transactions, and '-centric' meant centered around a point. Together, they evolved to mean focused on credit-related activities.