BTAI — FICO Score & SECI Knowledge Cycle Simulators

Two browser-based teaching simulators built for Business Technology & AI coursework: an expert-system FICO scorer, and an interactive walkthrough of Nonaka's SECI knowledge-creation model.

About

• What: A repository of two self-contained, single-page web simulations. The first reproduces FICO credit-score logic for sample applicants; the second steps a user through the four phases of the SECI knowledge-creation spiral.
• Who: Group project by Gyanesh Samanta with teammates Astha, Atish, and Stanya.
• When: First commit 2025-07-17, last update 2026-02-01.
• Where: Built for the BTAI (Business Technology & AI) club as a coursework / educational deliverable.
• Why: Both FICO scoring and the SECI knowledge cycle are easier to learn by watching the rules fire on real inputs than by reading a textbook chapter — so we wrapped each as an interactive sandbox.

The Story

FICO Score Simulator

The FICO simulator is structured as a small expert system: it takes financial inputs (payment history, credit utilization, length of history, credit mix, new credit) and walks through the canonical FICO weighting to land on a final score, breaking down which components helped or hurt. Three pre-loaded personas — Priya, Rohan, and Sunita — give a fast way to see how very different financial behaviours land on the 300-850 scale, and a dark/light toggle keeps it readable in any lighting.

SECI Knowledge Cycle Simulator

The SECI tool models Ikujiro Nonaka's organizational knowledge-creation spiral — Socialization → Externalization → Combination → Internalization — as a four-stage interactive flow. Users sit through a discussion log to capture tacit knowledge (Socialization), draft a document from it (Externalization), see it merged into a persistent knowledge base (Combination), and then re-apply it (Internalization). Each pass updates the knowledge base, so the loop tangibly grows something across iterations rather than just describing the theory.

Both apps are zero-dependency single HTML files — no build step, no backend, just open and run.

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Tech Stack

• Markup / Style: HTML5, CSS3, Tailwind CSS (via CDN)
• Logic: Vanilla JavaScript (ES6+)
• Typography: Google Fonts (Inter)
• Hosting: Any static file server / browser

Repo Structure

BTAI-Fico-Score/
├── simulations/
│   ├── fico-score-simulator/
│   │   └── index.html        # expert-system FICO scorer
│   └── seci-knowledge-cycle/
│       └── index.html        # SECI 4-phase walkthrough
└── README.md

Getting Started

No build tools, no install — just open the HTML files.

# 1. Clone
git clone https://github.com/GyaneshSamanta/BTAI-Fico-Score.git
cd BTAI-Fico-Score

# 2. Open whichever simulator you want
#    macOS / Linux
open simulations/fico-score-simulator/index.html
open simulations/seci-knowledge-cycle/index.html

#    Windows
start simulations/fico-score-simulator/index.html

Or serve the folder over a tiny local server if your browser blocks file:// fetches:

python -m http.server 8000
# then visit http://localhost:8000/simulations/

Contributing

This is a coursework deliverable, but PRs that fix bugs, add personas, or extend the SECI knowledge base are welcome.

License

Released for research and educational purposes. No formal OSS license has been published yet — please ask before commercial reuse.

Credits

Made with care by:

• Astha
• Atish
• Gyanesh Samanta (@GyaneshSamanta)
• Stanya

Built for the BTAI initiative.