ICAS & Ethoslytics
A Hybrid Credit Scoring Framework for Unbanked Women in Emerging Economies
উদীয়মান অর্থনীতিতে ব্যাংকবিহীন মহিলা ক্ষুদ্র উদ্যোক্তাদের জন্য একটি হাইব্রিড এআই-চালিত ক্রেডিট স্কোরিং ফ্রেমওয়ার্ক
Understanding Our Dual-Identity System
We have evolved from a single framework to a sophisticated dual-identity system that separates methodology from implementation.
ICAS
Inclusive Credit Assessment & Scoring Framework
The core theoretical framework—a gender-neutral, scientific logic for credit scoring in the informal sector. ICAS defines the rules, variables, and financial logic (BBA-led) that form the foundation of our credit assessment methodology.
- • Mathematical weightage system
- • Alternative data integration
- • Regulatory compliance framework
- • Scientific validation methodology
Ethoslytics
AI Engine & Platform
The technical implementation of ICAS. Ethoslytics is the proprietary AI engine that processes Alternative Data to generate real-time credit scores. It transforms the ICAS blueprint into a working system (CSE-led).
- • Real-time credit score calculation
- • Interactive dashboard interface
- • Machine learning algorithms
- • Data security & privacy protocols
The Problem সমস্যা
The existing financial ecosystem suffers from critical bottlenecks that exclude women from formal credit systems.
The Collateral Barrier
Traditional banks require physical assets, which most grassroots women do not own.
Digital Footprint Gap
Many women operate in cash-heavy informal markets, making them "invisible" to digital scoring models.
High Operational Costs
MFIs rely on manual, group-based monitoring, which lacks individualized risk assessment.
The Research Gap: There is no standardized global framework that successfully digitizes "Social Capital" and "Offline Business Logic" into a high-precision AI scoring model specifically for women.
The Solution সমাধান
ICAS framework powered by the Ethoslytics AI Engine uses a hybrid model combining four data pillars to assess creditworthiness:
Digital Transactional
ডিজিটাল লেনদেন
MFS usage, mobile transactions, utility payments
Social Capital
সামাজিক মূলধন
Community standing, peer references, family support
Business Consistency
ব্যবসায়িক ধারাবাহিকতা
Supplier relationships, inventory, customer base
Behavioral Traits
আচরণগত বৈশিষ্ট্য
Financial literacy, resilience, commitment
SDG Impact টেকসই উন্নয়ন লক্ষ্যমাত্রা
This research directly contributes to the United Nations Sustainable Development Goals
Providing women independent access to capital
Empowering informal sector to scale
Breakthrough in FinTech infrastructure