Public methodology v0.7.0
The Mizan Score is a 0-100 educational readiness indicator. It helps people understand their financial profile, see what may improve their readiness, and compare relevant products inside Mizan.
The Mizan Score is not a bank credit score, credit report, loan offer, approval decision, or guarantee of eligibility. Financial institutions may use their own criteria and may not use the Mizan Score at all.
Eligible ETB inflows and spending in the latest 180 days, with coverage and observed monthly flow.
Observed monthly spending variation. One month is shown as provisional rather than treated as a long-term pattern.
Matched, late, and missed planned commitment occurrences. A manually created plan is not itself a positive outcome.
Observed inflow timing and monthly amounts, supported by detected income series when available.
Savings goals and budgets can add a small bonus when their evidence is strong. Missing or weak evidence never lowers the core score.
Build
0-34
Fair
35-54
Good
55-69
Strong
70-84
Excellent
85-100
Mizan aims to make score factors understandable and correctable. Optional profile and verification actions never increase or decrease the core score. Users can improve accuracy by reviewing money records and commitment outcomes; goals and budgets remain optional bonuses.
