Godwishes/SmartRisk-ZW

Explainable AI and credibility-theory motor insurance pricing and underwriting decision-support system for Zimbabwe. # SmartRisk ZW **Explainable motor-insurance pricing and underwriting decision support for Zimbabwe.** SmartRisk ZW combines credibility theory, claim-frequency prediction, claim-severity prediction, risk-based premium recommendations, Explainable AI, portfolio analytics, model governance, and a future intelligent-traffic-data roadmap. > **Prototype notice:** The current competition version uses synthetic insurance data and illustrative pricing assumptions. It is a decision-support prototype, not an autonomous underwriting authority. ## Competition value proposition SmartRisk ZW demonstrates a transition from broad/flat motor-insurance pricing toward transparent, evidence-based risk segmentation in which stronger risk profiles can receive discounts, higher-risk profiles can receive capped loadings or referral, and major pricing decisions can be explained at policy level. ## Main features - Executive portfolio dashboard - Driver credibility and risk assessment - Claim-frequency and claim-severity outputs - Premium recommendation engine - Current-vs-recommended premium comparison - Underwriting verification/referral workflow - Explainable AI at policy level - PDF underwriting reports - Business-impact dashboard - Fairness and governance monitoring - Future intelligent-traffic-data recommendation - Competition/Judge mode ## Project structure ```text SmartRisk-ZW/ ├── app.py ├── requirements.txt ├── README.md ├── DEPLOYMENT.md ├── .gitignore ├── .streamlit/ │ ├── config.toml │ └── secrets.toml.example ├── data/ │ └── README.md ├── outputs/ │ └── README.md ├── notebooks/ │ └── SmartRisk_ZW_Final_UI_Polish_V2.ipynb └── screenshots/ └── README.md ``` ## Required deployment files Add the following before deploying: ### `data/` - `drivers.csv` - `vehicles.csv` - `policies.csv` - `insurers.csv` ### `outputs/` - `driver_credibility.csv` - `policy_premium_recommendations.csv` For the complete competition experience, also add the Stage 8 and Stage 9 outpu …