Conceptual Preprint · Empirical validation in progress · 17 mai 2026
Holistic Life Scoring (HLS): A New Paradigm for Inclusive Financial Intelligence in Emerging Economies
Koffi Kan Marc-Ephrem · DOI : 10.5281/zenodo.20247598
Accessible Abstract
A credit scoring paradigm expanding evaluation beyond traditional banking to financial, civic, behavioral, and contextual signals, coupled with explicit consent and bias auditing.
Hypothesis & Methodology
The paper proposes Holistic Life Scoring (HLS), an inclusive scoring paradigm expanding telemetry beyond legacy banking to financial, civic, behavioral, and contextual indicators, paired with strict user consent and algorithmic bias auditing.
Limitations & Real-world Applications
This manuscript is a conceptual preprint with empirical validation currently underway. It claims no finalized performance metrics. Research stems directly from Fvundi operational inquiries. Fvundi.