About ICAS & EthoslyticsRedefining Inclusive Finance
The Inclusive Credit Assessment & Scoring (ICAS) framework, powered by the Ethoslytics AI engine, is more than a research initiative; it is the flagship innovation of the Centre for Fintech & Strategic Business Research (CFSBR).
The Grand Vision
Building a Future of Credit Empathy
We are redefining the global standard of creditworthiness by shifting the analytical lens from "What you have" (Assets) to "Who you are" (Potential). Our mission is to bridge the "information asymmetry" gap that excludes millions of unbanked women from formal financial systems, turning social capital into economic opportunity.
Our Identity: A Hybrid Intelligence Initiative
Ethoslytics serves as the primary Innovation Lab under the Centre for Fintech & Strategic Business Research (CFSBR)
Centre for Fintech & Strategic Business Research (CFSBR)
Provides the strategic market intelligence, economic modeling, and policy framework.
Ethoslytics
Serves as the technical backbone, bridging the gap between Business Strategy (BBA-led) and Artificial Intelligence (CSE-led) to transform theoretical logic into a scalable platform.
The Problem We Solve: Why We Exist
We address three critical bottlenecks in the current financial ecosystem
The Collateral Barrier
Millions of grassroots female entrepreneurs are 'invisible' to banks because they lack physical assets. We make them visible through alternative data.
Information Asymmetry
Traditional banking lacks the tools to quantify trust and consistency in informal markets. We translate human behavior into high-precision data.
Inclusive Technology
We believe technology should have a human touch. Our system is designed to be gender-neutral yet psychologically aware, ensuring that FinTech serves the marginalized, not just the elite.
The Foundation: Institutional Milestones (2025)
The ICAS framework and Ethoslytics engine are built on a foundation of proven global excellence
Global Milestone Achievement
Our vision of utilizing aerospace data for business strategy earned international recognition as a Global Nominee and Regional 1st Runner-Up (Sylhet).
Academic Recognition
Our preliminary findings and frameworks have been accepted and presented at three prestigious international platforms: ICCBM 2025 (BRAC University), ICCTASS 2025 (AIUB), and ICFLEW 2025 (BRAC University).
Peer Review Excellence
Our lead researchers contribute to the global scholarly community as Peer Reviewers for high-impact journals like SAGE Open (Impact Factor: 2.0), ensuring our work meets the highest standards of scientific integrity.
Advisory Synergy: Guided by Excellence
Our research is supported by a multi-disciplinary advisory board that brings together the best of public and private academia
Shahjalal University of Science and Technology (SUST)
Academic Excellence & Research Methodology
BRAC University
Policy Framework & Industry Integration
This synergy ensures that our innovations are not only technologically advanced but also academically rigorous and compliant with national financial policies.
Our Multidisciplinary Team
Success in the "Global South" requires a holistic perspective. Our team operates at the intersection of:
Finance & Banking
Designing next-generation credit risk architectures
Computer Science
Developing real-time AI engines and machine learning models
Behavioral Economics
Creating psychometric scoring systems that measure resilience and trust
Law & Policy
Ensuring every algorithm aligns with central bank guidelines and data privacy ethics
The Institutional Mandate of CFSBR
Centre for Fintech & Strategic Business Research
1Purpose & Preamble
The Centre for Fintech & Strategic Business Research (CFSBR) is established as an independent, hybrid innovation unit dedicated to solving the complex financial challenges of the Global South. Our mandate is to bridge the "Innovation Gap" between academic theoretical rigor and practical market execution by fostering interdisciplinary research in Finance, Engineering, and Behavioral Science.
2Strategic Objectives
Knowledge Synthesis
To create novel frameworks (like ICAS) that translate human social behavior into measurable financial intelligence.
Technology for Inclusion
To develop proprietary AI engines (like Ethoslytics) that serve as the technical backbone for inclusive financial services.
Policy Advocacy
To provide data-backed evidence and white papers to regulatory bodies and policymakers to foster a safer, more transparent digital lending ecosystem.
Talent Incubation
To serve as a bridge between universities, providing a professional environment where undergraduate researchers can work on industry-level challenges under expert mentorship.
3The "Hybrid Intelligence" Framework
CFSBR operates on the principle of Hybrid Intelligence, where we acknowledge that technology (CSE) without the context of market strategy (BBA) is ineffective. Our mandate is to ensure every algorithm we build is grounded in real-world economic logic and legal compliance.
4Commitment to Ethical Research
As a research center, CFSBR is committed to the highest standards of data privacy, ethical AI development, and gender-inclusive design. We prioritize "Credit Empathy"—ensuring that digital scoring systems empower the marginalized rather than automating exclusion.
5Institutional Synergy
While CFSBR operates as an independent research hub, it thrives on multi-institutional collaboration. We are mandated to collaborate with senior academics and industry leaders, ensuring our research assets are validated by the global scholarly community and ready for integration into the mainstream financial sector.
Connect with Us
ICAS & Ethoslytics are intellectual properties incubated by the Centre for Fintech & Strategic Business Research (CFSBR). We welcome collaborations with financial institutions, NGOs, and policymakers who share our vision of a truly inclusive financial future.