AfriScore is credit intelligence infrastructure that turns mobile money, airtime, and utility data into explainable credit scores for lenders in emerging markets. In its 2025 Kenya pilot, over 700 previously unbanked people were approved for credit in 60 days.

What does Charles Mfouapon research?

His research focuses on alternative-data credit scoring, credit risk modeling, financial regulation, and capital market development in CEMAC and Sub-Saharan Africa. He has published on Cox proportional-hazards models for thin-file borrowers and CEMAC's fixed-income market architecture.

How can I contact Charles Mfouapon?

For research collaborations, partnerships, press, or speaking invitations, email contact@charlesmfouapon.com. He typically responds within 48 hours.

Cameroon · United Kingdom

Charles Mfouapon. I do not build for the moment. I build for what should outlast me.

Award-winning financial systems engineer, founder, and researcher working across finance, technology, law, and institutions in emerging markets.

About me Let's talk

01Profile

Systems, institutions, capital.

Charles Mfouapon is an award-winning financial systems engineer, founder, and researcher working at the intersection of quantitative finance, technology, law, and institutional development, with a particular interest in emerging markets.

Founder of AfriScore and Linktion Futures, and author of The Architecture of African Financial Infrastructure. Named one of Cameroon's 35 Under 35, a Top100 Africa Future Leader, and a Mastercard Foundation AfOx Scholar at the University of Oxford.

“To build the systems, institutions, and ideas that make capital and opportunity work better for people and societies that have historically been underserved by them.”
Why I build

People approved in the Kenya pilot¹: 700+
Documents managed in GEDA²: 87,000+
Preprints, studies and briefs³: 7
Degrees completed⁴: 3

AfriScore Kenya pilot, 2025.
GEDA, delivered in 2025 to the CEMAC Representations in Cameroon and Gabon.
Preprints, simulation studies and policy briefs on SSRN and Academia.edu.
LLB, BSc and MSc (Oxford) completed; MSc Financial Engineering in progress.

02Ventures

What I founded.

03Systems

Systems I've delivered.

Delivered · 202503.1 · GovTech · CEMAC

GEDA: electronic document management for CEMAC Representations

Built solo and delivered in 2025. A search that took an afternoon now takes about two seconds.

Representations (Cameroon, Gabon): 2
Users: 16
Documents: 87,000+
Build time: 2 weeks

Rust · Next.js · PostgreSQL

Read the case

03.2
Website · designed and built by me
Association Akuma
A Franco-Cameroonian association working for quality education through books, with African books at the centre. A trilingual site (French, English, Spanish) with news, impact figures, a team section and a donation flow.

11operational websites built for organisations, NGOs, startups and SMEs.

04Research

Questions I'm working on.

Preprints, simulation studies and policy briefs on credit, regulation and capital markets.

LatestR-07Oct 2026SSRNSimulation study

Time to Realignment

What predicts how long a fixed exchange-rate peg survives?

Monte Carlo validation of a Cox proportional-hazards model for fixed exchange-rate peg sustainability, partitioning reserve and misalignment covariates from terms-of-trade and political-transition shocks. Motivated by the CFA franc zone's eighty-year peg history.

Exchange Rates
Survival Analysis
Monetary Unions
CFA Franc

Read on SSRN Abstract

Alternative credit3

CEMAC institutions2

Corporate governance1

R-02Jul 2026Preprint
Liquidity as Control
Has market liquidity become a form of control over managers?

All publications

05The book · Now on Amazon

The Architecture of African Financial Infrastructure

A blueprint for financial inclusion from first principles: how African markets are redesigning credit, payments, and regulatory frameworks for mobile-first, data-scarce, fragmented environments.

From the book

Credit-invisible adults across Sub-Saharan Africa: 300M+
Mobile money penetration across the region: 68%
Estimated credit gap facing African markets: $100B+

Order on Amazon About the book

06Education

Trained in Yaoundé. Specialised at Oxford.

Two tracks, law and quantitative finance, one thesis.

Three degrees completed, one in progress

Law track

2022 – 2025

LLB

Bachelor of Laws

Catholic University of Central Africa

Yaoundé, Cameroon · First Class

Quantitative track

2022 – 2025

BSc

Mathematics and Economics

University of London

Distance learning · First Class Honours

Law and finance

2025 – 2026

MSc

Law and Finance

University of Oxford · Keble College

Oxford, United Kingdom · Distinction

AfOx Scholar · Mastercard Foundation · 2025

Quantitative track

2026 –

MSc

Financial Engineering

WorldQuant University

Distance learning · In progress

Balance law × finance

07Attestations

In their words.

“The implementation of the GEDA system marks a decisive turning point for our Representation. We finally have a sovereign, secure tool perfectly adapted to the requirements of our diplomacy.”

Pierre-Guillaume Boum BissaiResident Representative of the CEMAC Commission in CameroonTranslated from French

“For a long time, the scattering of our archives posed a major risk to the institution. Charles was able to understand our constraints and design a tailor-made solution.”

Nicolas MessiAgent Comptable et FinancierTranslated from French

“What distinguished his contribution was that he did not arrive with a generic ‘emerging markets’ template. He arrived with a jurisdiction-specific diagnosis—particularly on the CEMAC region, where mobile money operators sit outside the formal credit data furnishing framework.”

Adaeze ObenProgramme Officer, Digital Financial Inclusion (West & Central Africa), Mastercard FoundationOn consulting work

All attestations

08Recognition