Future Collaboration

Research &
Roadmap

CREDZO is currently a research-stage student project. Here's what we're exploring and how you can get involved.

Current Project Status

CREDZO is currently a research-stage student project and is not hiring full-time roles yet. This is an academic exploration into alternative credit scoring, designed to demonstrate research methodology, product thinking, and systems design.

What "Research Stage" Means

  • Conceptual framework and scoring model designed
  • Mock dashboards and user flows created
  • Documentation of methodology and assumptions
  • Real-world pilot testing (planned)
  • Partnership with financial institutions (future)

Future Collaboration Opportunities

While not hiring yet, the vision is to eventually collaborate with talented individuals across multiple disciplines

Developers

Interested in alternative credit, web3, blockchain verification, and building transparent financial systems

• Full-stack development

• Blockchain integration

• API design

• Security architecture

Data Scientists

Working on credit risk modeling, scoring algorithms, and predictive analytics for alternative data

• Credit risk modeling

• Machine learning

• Statistical analysis

• Model validation

Policy Researchers

Exploring regulation, compliance, ethical use of alternative data, and financial inclusion policy

• Regulatory compliance

• Ethics & privacy

• Financial inclusion

• Policy analysis

Interested in Collaborating?

If you're interested in collaborating on research, experiments, or prototypes related to alternative credit scoring, reach out using the Contact page.

Get in Touch

Research Roadmap

Planned experiments and milestones for developing the CREDZO concept

PHASE 1 - COMPLETED

Conceptual Design

✅
  • Research existing alternative credit models and identify gaps
  • Design Talent Credit Score framework with four pillars
  • Create mock dashboards and user flows
  • Document methodology and assumptions
PHASE 2 - IN PROGRESS

Data Collection & Validation

🔄
  • Identify and test API integrations with developer platforms (GitHub, LeetCode, etc.)
  • Build prototype scoring algorithm with sample data
  • Validate scoring logic with small test cohort of developers
  • Document limitations and edge cases
PHASE 3 - PLANNED

Pilot Testing

📋
  • Partner with a small fintech or lending platform for pilot
  • Test scoring model with real loan applications
  • Measure default rates and compare to traditional credit scores
  • Gather feedback from developers and lenders
PHASE 4 - FUTURE

Scaling & Refinement

🚀
  • Refine scoring model based on pilot results
  • Explore blockchain integration for credential verification
  • Build API for lenders and employers
  • Publish research findings and methodology

Key Research Questions

Critical questions this project aims to explore and answer

❓

Can alternative data predict creditworthiness?

Do GitHub contributions, coding challenge scores, and freelance income correlate with loan repayment behavior?

🔒

How do we ensure data privacy and security?

What blockchain or encryption methods can verify credentials without exposing sensitive personal information?

⚖️

What are the ethical implications?

How do we prevent bias, ensure fairness, and avoid creating new forms of discrimination in alternative credit scoring?

📜

What regulatory frameworks apply?

How do existing credit reporting laws (FCRA, GDPR) apply to alternative data, and what new regulations might be needed?

🌍

Can this work globally?

How do we adapt the model for different markets, currencies, and regulatory environments across countries?

💰

What's the business model?

How can this be sustainable—through API fees, subscription models, or partnerships with financial institutions?

Want to Contribute to This Research?

Whether you're a developer, researcher, or just passionate about financial inclusion—let's explore these questions together

Get Involved