Cank256/credi_sense

CrediSense is an AI-driven alternative credit scoring prototype built for East Africa. # CrediSense – Alternative AI Credit Scoring **CrediSense** is a fintech platform designed to bridge the "missing middle" in East Africa's informal economy. By turning informal digital footprints—Mobile Money (MoMo) logs, utility bills (Yaka!, Water), and trade ledgers—into a robust **Trust Score**, we empower the unbanked to build a digital credit identity. ## 🚀 Key Features - **AI Scoring Brain**: A weighted mathematical model ($S = \sum weight_i \times normalized\_value_i$) that analyzes: - **Velocity & Volume (40%)**: Frequency and amount of Mobile Money movement. - **Consistency (30%)**: Timely payment of utility bills (Water, Umeme/Yaka). - **Resilience (20%)**: Savings ratio and balance maintenance. - **Social Proof/Trade (10%)**: Digital ledger entries from local suppliers. - **Gemini OCR Integration**: Upload screenshots of MoMo receipts or utility bills. The app uses Google's Gemini AI to extract transaction details (amount, date, category) automatically. - **Credit Passport**: Export a verified JSON "Credit Passport" containing your profile, score breakdown, and transaction history to share with SACCOs or Fintech lenders. - **Technical Dashboard**: A high-precision, data-dense interface designed for professional financial monitoring. ## 🛠️ Tech Stack - **Frontend**: React 19, Vite, Tailwind CSS 4. - **Backend**: Firebase (Authentication, Firestore). - **AI**: Google Generative AI SDK (Gemini 3 Flash). - **Visualization**: Recharts (Radar & Bar charts). - **Icons**: Lucide React. ## 🧠 Scoring Logic The final Trust Score is scaled between **300 (High Risk)** and **850 (Exceptional Trust)**. | Metric | Weight | Description | | :--- | :--- | :--- | | **Velocity** | 40% | Measures cash flow health and transaction frequency. | | **Consistency** | 30% | Tracks recurring utility payments as a proxy for reliability. | | **Resilience** | 20% | Analyzes the ratio of income vs. expenses (savings capacity). | | **Social Proof** | 10% | Validates trade relation …