A FinTech MVP platform connecting students and investors via tradable Income Share Agreements (ISAs). Developed for the MSc Business Analytics & Management programm and its FinTech course at Rotterdam School of Management (RSM). The goal is to allow more students to access higher education while creating a new impact assest class for Investors.
TalentVest enables:
- both parties (Investors and Students) to connect in a single platform
- Students to apply for funding and update their academic journey in the student portal/dashboard
- Investors to browse, fund, and trade ISA shares in the Investor Dashboard
- Portfolio tracking with ML-based estimates used for ISA right valuation and profit projections to aim to increase transparency
- increased liquidity for Investors by offering a Trading functionality, which results in higher investment incentives
All data used is simulated. The ISA valuation engine leverages simple regression models to project salary, growth, and discounting. At a later scaling stage, a real-life data will be collected and utilized to create a unqiue student database as a foundation for the ML models and ISA valuation.
- Application form + document upload to request funding and be listed on the website + a Questionarry with further a further personal fit assessment is in planning
- Academic progress and quarterly update form is required to continously update a students profil, as students need to be transparent about their academic journey
- Privacy and ethic standards are always considered by TalentVest
- Explore student funding opportunities
- 1st stage: High-school graduates that applied for a University but require the money
- Student Details: Several details and variables are displayed about the student and upcoming studys
- Financials: yieling finanical variables, such as required funding, ML estimates for salary, discount rate,etc.
- Funding a flexible amount directly in the platform
- Navigate and filtered across student to fund and invest in
- Browse existing funded students available for resale: submit offers on secondary market ISAs
- 2nd stage: The ISA rights for Unversity Students or already employed students can be listed and traded by Investors
- Student Details: similiar as before and updated quarterly
- Finanicals: similar as before and updated quarterly, updated ML estimates and ISA valuation as a guideline for Investors
- Offer: Investors can submit an offer (price) to the other Investors for the ISA rights of the student
- Listing of the ISA rights that are hold by an Investor
- Detailed View and detailed Financials as before
- Including NPV and ROI calculations per student to track process and profitability
- Aggregated financial visualizations
- Option to list students in the ISA Trading Module to other Investors
- Frontend: Streamlit (entirely Python-based)
- Backend:
pandas,scikit-learn,matplotlib- ISA logic implemented via custom Python modules
- Data: Fully simulated to show feasibility of salary, discount rate (risk), and salary growth prediction
TalentVest_MVP/
├── app.py # Streamlit UI & navigation
├── requirements.txt # bundeled libraries/packages used
├── README.md # the file you are reading right now
├── .gitignore
│
├── data/ # students.csv, trading.csv, portfolio_sample.csv (simulated profiles with ML estimates)
├── static/ # Logo and image assets
├── models/ # Trained salary/discount models
│
├── generate_students.py # Student profile generator
├── train_salary_models.py # Model training
├── predict_targets_on_new_datasets.py # predict salary, growth, and discount rate
├── recalculate_isa_value_from_predictions.py # update ISA right valuation for simulated data sets used
├── portfolio.py # Portfolio aggregation logic
├── npv.py # Discounting & NPV helper functions
├── dataset.py # ML feature schema and transformationsTrains and applies ML models to estimate:
predicted_salarysalary_growthdiscount_rate
These values feed into:
- ISA Share (%), NPV, ROI, Estimated Profit
Thereby, increase transaprency and liquidity is provided by TalentVest.
All calculations done with:
- Discounted cash flow logic
- Assumed 15% ISA share fixed across investments across 10 years pay-pack period from Students to Investors
- Simulated Data sets to show feasibility
- Basic OLS and Lasso model including interaction effects were constructed, more sophisticated Neural Networks will be utilized later
- Clone the Repository:
git clone https://github.com/rubenmst/TalentVest-MVP-.git
cd TalentVest-MVP-- Install Requirements:
pip install -r requirements.txt- Run the App:
streamlit run app.pyVideo: https://drive.google.com/file/d/1TgwYixqvp8guzAwtrgo5lWFDLrGSg-SO/view?usp=sharing Folder: (https://drive.google.com/drive/u/0/folders/1lLRTIlLR1c11MVrKoXgqKVFiXFrml0Db)
Built as part of:
- Course: Business Models & Applications in FinTech (BM26BAM)
- Programm Business Analytics and Management
- University: RSM, Erasmus University
- Assignment 2: MVP implementation of business idea - TalentVest
This MVP reflects the execution of Assignment 1 (Business Plan) into a working, testable prototype.
This is an educational project. All data is simulated and predictions are hypothetical. This is not financial advice.
- Demo with a first cohort of students
- Add database integration (PostgreSQL)
- Track student data (anonyously) to build real-life data set for ISA right valuation in the long-term
- Enrich databank by connecting ISA logic to real-world salary APIs / market data
- Deploy on Streamlit Cloud or Heroku
- Add authentication for separated Investor and Student Access
- Improve ML models with hyperparameter tuning
MIT License – Free to use and modify for educational or demo purposes.
Maintainer: Ruben Maxim Stauch | MSc BAM | RSM