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Working papers as uploaded. Open a paper to read the original PDF — formulas stay as printed.
Latest · 2026 · Independent working paper · 12 pp
Credit Risk in Fintech and Digital-Asset Markets: Integrating Machine Learning into PD–LGD–EAD Modeling
Samuel Nyarangi
Read the PDF2026
OpenAI Adoption and Usage in the Kenyan Economy: Infrastructure, Institutions, and Sectoral Intensity
Samuel Nyarangi · IEEE working paper · 8 pp
2026
OpenGoverning AI Where It Is Built: Municipal Capacity, Labor Intensity, and the Civic–Industry Split in San José, California
Samuel Nyarangi · IEEE working paper · 8 pp
2026
OpenAgentic Artificial Intelligence for Autonomous Decision-Making in Finance
Samuel Nyarangi · Independent working paper · 18 pp