nathanb-tech/finforge

FINVERSE AI is an AI-powered financial simulation engine designed to help banks make better lending decisions for Malawi's MSMEs. Instead of relying on traditional credit history (which 85% of MSMEs don't have), it predicts a business's financial future by running 1,000 Monte Carlo scenarios using PESTEL and FP-CISON factors specific to Malawi. # 🚀 FINVERSE AI # The AI that predicts whether a business will succeed before a bank lends to it. ### 🏆 FINOVATE 2026 — National Virtual Hackathon for Financial Innovation in Malawi --- # 🏆 FINOVATE 2026 **National Virtual Hackathon for Financial Innovation in Malawi** **Organizer:** Computer Science and Information Systems Society (CoSISS) **Official Strategic Partner:** National Bank of Malawi plc --- # 👥 Team FinForge **University:** Daeyang University **Repository:** finforge ### Team Members - Nathan Bolokonya *(Team Leader)* - Temwa Maleka - Benie Mubiala - Joan Mndala - Tadala Chadewa 📧 **Contact** nathanb@dyuni.ac.mw --- # 📖 Table of Contents - Overview - Problem Statement - Solution - Key Features - Technology Stack - System Architecture - Data Flow - Expected Impact - Installation - Environment Variables - Running the Project - Project Structure - API Endpoint - AI Engine - Monte Carlo Simulation - Future Financial Confidence Score (FFCS) - Dashboard - Future Improvements - Team --- # 🌍 Overview FINVERSE AI is an AI-powered financial risk assessment platform built for Malawi's banking sector. Instead of relying solely on historical financial information, FINVERSE AI predicts the future financial resilience of MSMEs before a loan is approved. Using Monte Carlo simulations, Malawi-specific economic factors, machine learning, and AI-generated insights, the system enables banks and microfinance institutions to make faster, smarter, and more inclusive lending decisions. --- # ❗ Problem Statement Over **85% of Malawi's MSMEs** are excluded from formal credit because they lack: - Bank statements - Credit histories - Collateral Traditional lending models depend heavily on historical financial records, making them unsuitable for many informal businesses. This financing gap limits business growth, job creation, and economic development across Malawi. --- # 💡 Our Solution FINVERSE AI shifts lending from: > **"Can this busine …