davyce/teras-scoring

Explainable AI credit-scoring platform for Central Africa — Django, React/TypeScript, PostgreSQL, streaming AI workflows. 🇬🇧 English · 🇫🇷 Français # 🏦 TERAS IA APP — CEMAC Intelligent Financial Scoring Platform **Next-gen AI-powered credit scoring system for the CEMAC zone** *5 interfaces · 60+ endpoints · Claude Sonnet 4 · SSE streaming · Adaptive pedagogical mode · UX v2.1* 🚀 Demo • 📖 Docs • 💡 Philosophy • 🎯 Roadmap --- ## 📋 Table of Contents - 🌍 Vision & CEMAC Context - 💡 TERAS Philosophy - ✨ Current State — April 2026 - 🏗️ Technical Architecture - ⚙️ Installation & Configuration - 🎨 User Interfaces — Full Detail - 📡 REST API — 60+ Documented Endpoints - 📊 TERAS Scoring Model - 🤖 Artificial Intelligence & RAG - 💬 AI Chat — Full Architecture - 🏛️ CEMAC Government Interface — Detail - 💰 CRM Calculation & Financial Products - 📄 Document Upload & Analysis - 🔔 Notification System - 🔐 Security, Audit & Compliance - 📈 Performance & Metrics - ✨ UX Improvements — v2.1.0 - 🗺️ Roadmap - 🤝 Contributing - 📄 License & Contact --- ## 🌍 Vision & CEMAC Context ### The Financial Inclusion Challenge in Central Africa The CEMAC region (Economic and Monetary Community of Central Africa) brings together **6 countries** and more than **55 million people** facing massive financial exclusion: ``` ┌─────────────────────────────────────────────────────────────────┐ │ STATE OF FINANCIAL INCLUSION — CEMAC │ ├─────────────────────────────────────────────────────────────────┤ │ │ │ 👥 Population with a bank account: 12-18% │ │ ❌ Excluded from the banking system: 72% │ │ 🏢 Informal-economy workers: 85% │ │ 💳 Access to bank credit: 8-12% │ │ 📈 Average interest rates: 18-35%/year │ │ ⏰ Time to obtain a classic loan: 3-6 months │ │ 💸 Informal/usury rates: 100-300%/year │ │ 📱 Smartphone penetration (urban): 68% …