Beyond the Score
What happens when financial systems encounter households they were not designed to see?
Beyond the Score is a Relational Systems Simulation pilot examining how banking, insurance, and verification systems interact with four culturally distinct New Zealand households under open banking, insurance withdrawal, algorithmic risk scoring, and climate-linked displacement. Every cultural, demographic, and behavioural attribute in the cases derives from a published corpus or is marked as constructed without one, and each case is published in two parts: a reading edition that carries the scene, and a trace sheet that carries the anchors, the constructed markers, and the log, so any attribute can be checked against its source.
Case documents
Ten documents · PDF- Overview Beyond the Score: Overview Overview · PDF
- Case 1 Letoa-Haumata · Samoan–Māori · South Auckland Reading edition · PDFTrace sheet · PDF
- Case 2 Riley · Pākehā · Palmerston North Reading edition · PDFTrace sheet · PDF
- Case 3 Liu · Chinese–Malaysian · East Auckland Reading edition · PDFTrace sheet · PDF
- Case 4 Tāwhai · Māori · near Kaikohe Reading edition · PDFTrace sheet · PDF
- References Master reference list References · PDF
Validation
Five Māori, Pacific and Asian young adults reviewed the cases in semi-structured interviews. Each validator assessed two cases and rated emotional realism and cultural resonance from 0 to 5. The design paired each with one case close to their own background and one further from it; in the event, one validator’s two cases both matched his descent, and another’s neither. Simulations 1 and 3 were each rated by three validators and Simulation 4 by four; Simulation 2 was not assessed. Validators from the depicted communities did not report cultural flattening. The ratings are reported in the Overview.