Leaderboard github.com
javatarz/credit-card-lending
What happens when you build software with AI as a true collaborator? Exploring intelligent Engineering (iE) through a credit card lending platform — TDD, context docs for LLMs, and automated workflows.
AI provenance
100%
explicit
- Confidence
- 91%
- Coverage
- 100%
Estimated share of AI-generated code. Explicit attribution is a lower bound.
Code quality
82/100
strong
- Confidence
- 90%
- Coverage
- 100%
Complexity, duplication, lint density, tests, CI, docs and review process.
Security
68/100
weak
- Confidence
- 85%
- Coverage
- 100%
Secrets, static analysis, vulnerable dependencies, CI and supply-chain posture.
AI provenance
100% explicit
Explicit AI attribution on 100% of first-party code added; an estimated 100% including velocity signals.
How the score is built
- Explicitly attributed share100%
- Unattributed share in AI-pace bursts0%
- Estimated AI-generated share100%
- AI tool configuration files9
- Work sessions at AI pace0
- Releases at AI pacenot measured
- Coding-style index (1.0+ means possible)0.00
Attributed AI tools
| Tool | Commits | Lines added | First seen | Last seen |
|---|---|---|---|---|
| Claude Code | 71 | 2,759 | 2025-12-01 | 2026-01-02 |
Lines added per month all AI-attributed share
- 2025-122,759 · 100% AI
- 2026-010 · 0% AI
- 2026-0211 · 0% AI
Findings in AI-attributed lines vs the rest
From git blame: 1,734 lines trace to AI-attributed commits, 11 to others. Too few lines in one group for a fair comparison. Reported, not scored.
| Findings per 1,000 lines | AI-attributed | Other | Ratio |
|---|---|---|---|
| Code quality | 0.00 | 0.00 | — |
| Security | 2.31 | 0.00 | — |
Evidence by analyzer
Explicit AI attributionok26 items
- Claude Code: 71 attributed commits, 2,759 lines added
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- Claude Code: trailer 'Co-Authored-By: Claude'
- attributed_commit_share
- 84.5%
- attributed_commits
- 71
- attributed_loc
- 2,759
- attributed_loc_share
- 99.6%
- commits
- 84
- effective_loc
- 2,770
- tools_detected
- 1
AI tool configurationok9 items
- .claude/commands/check-drift.md (claude-code configuration)
- .claude/commands/pickup.md (claude-code configuration)
- .claude/commands/start-dev.md (claude-code configuration)
- .claude/commands/tour.md (claude-code configuration)
- .claude/commands/update-context.md (claude-code configuration)
- .claude/skills/review/SKILL.md (claude-code configuration)
- .claude/skills/tdd/SKILL.md (claude-code configuration)
- .claude/skills/wiki/SKILL.md (claude-code configuration)
- CLAUDE.md (claude-code configuration)
- artifacts
- 9
- earliest_adoption
- 2025-12-01
- tools_configured
- 1
- workflow_agents
- 0
Commit velocityok
- excluded_import_loc
- 0
- flagged_loc
- 0
- flagged_loc_share
- 0.0%
- flagged_units
- 0
- max_loc_per_hour
- 210.63
- measured_loc
- 2,557
- median_loc_per_hour
- 75.82
- pr_timed_units
- 1
- pre_ai_era_burst_loc
- 0
- pre_ai_era_bursts
- 0
- pre_ai_era_measured_loc
- 0
- work_units
- 10
Release velocityskipped
Coding styleok
- count:assistant_voice
- 0
- count:emoji_in_code
- 0
- count:narrated_steps
- 0
- count:placeholder
- 0
- files:assistant_voice
- 0
- files:emoji_in_code
- 0
- files:narrated_steps
- 0
- files:placeholder
- 0
- index
- 0
- lines_scanned
- 1,745
- per_kloc:assistant_voice
- 0
- per_kloc:emoji_in_code
- 0
- per_kloc:narrated_steps
- 0
- per_kloc:placeholder
- 0
Findings in AI-written linesok
- ai_lines
- 1,734
- blame_failures
- 0
- files_blamed
- 55
- other_lines
- 11
- quality:ai_findings
- 0
- quality:ai_per_kloc
- 0
- quality:other_findings
- 0
- quality:other_per_kloc
- 0
- security:ai_findings
- 4
- security:ai_per_kloc
- 2.31
- security:other_findings
- 0
- security:other_per_kloc
- 0
Code quality
82 strong
Code quality is strong: test-to-source ratio 0.42, no CI test run detected; 0% of function code in complex or long functions; 7% duplicated lines. Weakest area: duplication.
How the score is built
- Complexity100
- Duplication66
- Lint and smells100
- Tests and CI66
- Documentation80
- Type safetynot measured
- Review processnot measured
Evidence by analyzer
Complexity (lizard)ok
- complex_functions
- 0
- function_nloc
- 546
- functions
- 72
- long_functions
- 0
- many_param_functions
- 0
- mean_ccn
- 1.46
- p90_ccn
- 3
- risky_nloc_share
- 0.0%
Duplication (jscpd)ok4 items
- 6+ duplicated lines: buildSrc/src/main/kotlin/CreateModuleTask.kt:66 and shared/infrastructure/build.gradle.kts:1
- 6+ duplicated lines: buildSrc/src/main/kotlin/CreateModuleTask.kt:80 and modules/customer/build.gradle.kts:16
- 6+ duplicated lines: modules/customer/src/main/java/me/karun/bank/credit/customer/internal/domain/CustomerProfile.java:47 and modules/customer/src/main/java/me/karun/bank/credit/customer/internal/domain/CustomerProfile.java:107
- 6+ duplicated lines: modules/customer/src/main/java/me/karun/bank/credit/customer/internal/service/CustomerServiceImpl.java:226 and modules/customer/src/main/java/me/karun/bank/credit/customer/internal/service/CustomerServiceImpl.java:238
- compared_lines
- 1,020
- duplicated_lines
- 72
- duplicated_share
- 7.1%
- files
- 55
Lintok
- findings
- 0
- scanned_lines
- 1,745
- weighted_findings
- 0
Tests and CIok2 items
- CI config: .github/workflows/build-and-test.yml
.github/workflows/build-and-test.yml - CI config: .github/workflows/check-doc-links.yml
.github/workflows/check-doc-links.yml
- check:ci_present
- yes
- check:ci_runs_lint
- no
- check:ci_runs_tests
- no
- check:has_tests
- yes
- check:test_ratio
- no
- check:tests_cochange
- yes
- ci_files
- 2
- cochange_commits
- 27
- cochange_share
- 70.4%
- source_lines
- 1,745
- test_lines
- 731
- test_ratio
- 0.42
Documentationok3 items
- README.md
README.md - LICENSE
LICENSE - CONTRIBUTING.md
CONTRIBUTING.md
- check:changelog
- no
- check:contributing
- yes
- check:license
- yes
- check:readme
- yes
- readme_lines
- 149
Type safetyskipped
Security
68 weak
Security posture is weak: 6 high-severity workflow issues. Weakest area: posture.
How the score is built
- Secrets90
- Static analysis (SAST)95
- Vulnerable dependenciesnot measured
- CI workflows28
- Security posture20
- OpenSSF Scorecardnot measured
Evidence by analyzer
OpenSSF Scorecardskipped
no published OpenSSF Scorecard result for this repo
Package registriesskipped
no registry dependencies declared
Secrets (gitleaks)ok
- secrets_current
- 0
- secrets_history
- 0
- secrets_low_confidence
- 1
- secrets_nonprod
- 2
Static analysis (opengrep)ok
- findings
- 4
- findings_high
- 0
- findings_low
- 4
- findings_medium
- 0
- parse_errors
- 1
- scanned_lines
- 1,745
- weighted_findings
- 0.25
Dependencies (osv-scanner)skipped
CI workflows (zizmor)ok
- findings
- 9
- findings_high
- 6
- findings_low
- 0
- findings_medium
- 3
- penalty
- 76.80
- workflows
- 2
Security postureok
- check:dependency_updates
- no
- check:lockfiles
- yes
- check:security_policy
- no
- check:signed_commits
- yes
- signed_commit_share
- 77.4%
- unpinned_manifests
- 0
Release downloadsok
- binary_assets
- 0
- signals
- 0
- suspicious
- 0
Findings
6 high3 medium7 low
16 findings
| Severity | Rule | Location | Message | Tool |
|---|---|---|---|---|
| high | zizmor/unpinned-uses |
.github/workflows/build-and-test.yml:20 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| high | zizmor/unpinned-uses |
.github/workflows/build-and-test.yml:23 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| high | zizmor/unpinned-uses |
.github/workflows/build-and-test.yml:29 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| high | zizmor/unpinned-uses |
.github/workflows/build-and-test.yml:37 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| high | zizmor/unpinned-uses |
.github/workflows/check-doc-links.yml:18 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| high | zizmor/unpinned-uses |
.github/workflows/check-doc-links.yml:21 | unpinned action reference [confidence high] | CI workflows (zizmor) |
| medium | zizmor/artipacked |
.github/workflows/build-and-test.yml:19 | credential persistence through GitHub Actions artifacts [confidence low] | CI workflows (zizmor) |
| medium | zizmor/excessive-permissions |
.github/workflows/check-doc-links.yml:14 | overly broad permissions [confidence medium] | CI workflows (zizmor) |
| medium | zizmor/artipacked |
.github/workflows/check-doc-links.yml:17 | credential persistence through GitHub Actions artifacts [confidence low] | CI workflows (zizmor) |
| low | gitleaks/generic-api-key |
docs/epics/E01-customer-onboarding.md:96 | Possible generic-api-key secret in history (commit a26a3d9d03); removed from the current tree but still retrievable | Secrets (gitleaks) |
| low | gitleaks/generic-api-key |
platform/api-gateway/src/main/resources/application.yml:52 | Possible generic-api-key secret in the current tree | Secrets (gitleaks) |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:36 | GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding... | Static analysis (opengrep) |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:37 | GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding... | Static analysis (opengrep) |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:63 | GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding... | Static analysis (opengrep) |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:64 | GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding... | Static analysis (opengrep) |
| low | gitleaks/generic-api-key |
shared/infrastructure/src/test/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionServiceTest.java:11 | Possible generic-api-key secret in the current tree (test/docs/example file) | Secrets (gitleaks) |
Tools and coverage
Every analyzer that ran on this commit. A failed or skipped tool is a coverage gap: its share of the score is left out and the coverage figure drops.
| Analyzer | Pillar | Status | Version | Findings | Note |
|---|---|---|---|---|---|
| AI tool configuration | AI provenance | ok | signatures-v1 | 0 | |
| Explicit AI attribution | AI provenance | ok | signatures-v1 | 0 | |
| Release velocity | AI provenance | skipped | — | 0 | |
| Coding style | AI provenance | ok | — | 0 | |
| Commit velocity | AI provenance | ok | prov-4 | 0 | |
| Findings in AI-written lines | AI provenance | ok | git-blame | 0 | |
| Complexity (lizard) | Code quality | ok | lizard 1.25.1 | 0 | |
| Documentation | Code quality | ok | — | 0 | |
| Duplication (jscpd) | Code quality | ok | repotrust-dup-w6 | 0 | |
| Lint | Code quality | ok | opengrep 1.33.1; rules f1d2b562b414 | 0 | |
| Tests and CI | Code quality | ok | — | 0 | |
| Type safety | Code quality | skipped | — | 0 | |
| CI workflows (zizmor) | Security | ok | zizmor 1.32.0 | 9 | |
| Dependencies (osv-scanner) | Security | skipped | — | 0 | |
| Release downloads | Security | ok | — | 0 | |
| Security posture | Security | ok | — | 0 | |
| Package registries | Security | skipped | — | 0 | no registry dependencies declared |
| Static analysis (opengrep) | Security | ok | opengrep 1.33.1; rules f1d2b562b414 | 4 | |
| OpenSSF Scorecard | Security | skipped | — | 0 | no published OpenSSF Scorecard result for this repo |
| Secrets (gitleaks) | Security | ok | gitleaks 8.30.1 | 3 |
Score history
Scores from different scoring versions aren't directly comparable.
| Scored | Commit | Scoring | AI provenance | Quality | Security |
|---|---|---|---|---|---|
| 2026-11-14 | a9def029ca8d | prov-5+qual-2+sec-2 | 100% | 82 | 68 |
| 2026-11-14 | a9def029ca8d | prov-4+qual-2+sec-2 | 100% | 82 | 68 |
Full text report
- Repository: https://github.com/javatarz/credit-card-lending
- Commit:
a9def029ca8d9a7478eb64817da24553cbed0881 - Generated: 2026-11-14T14:52:05+00:00
- Scorer 0.1.0, scoring prov-5+qual-2+sec-2, report schema v2
Scores
| Pillar | Score | Signal | Confidence | Coverage |
|---|---|---|---|---|
| AI provenance (estimated AI-generated share) | 100 | explicit | 91% | 100% |
| Code quality | 82 | strong | 90% | 100% |
| Security | 68 | weak | 85% | 100% |
AI provenance
Explicit AI attribution on 100% of first-party code added; an estimated 100% including velocity signals.
- Explicitly attributed share (lower bound): 99.6%
- Unattributed share in AI-consistent velocity bursts: 0.0%
- Estimated AI-generated share: 99.6%
| AI tool | Attributed commits | Lines added |
|---|---|---|
| Claude Code | 71 | 2,759 |
- AI tooling configured in repo: claude-code
Current source lines last changed by AI-attributed commits: 1,734 of 1,745.
Too few lines in one group to compare finding densities.
| Month | Lines added | Attributed to AI |
|---|---|---|
| 2025-12 | 2,759 | 100% |
| 2026-02 | 11 | 0% |
Evidence
- Claude Code: trailer 'Co-Authored-By: Claude' (ca1d9eb04ddb)
- Claude Code: trailer 'Co-Authored-By: Claude' (decae2dad47a)
- Claude Code: trailer 'Co-Authored-By: Claude' (54e26fb25862)
- Claude Code: trailer 'Co-Authored-By: Claude' (46c6a7189312)
- Claude Code: trailer 'Co-Authored-By: Claude' (26b3f482a0fe)
- Claude Code: trailer 'Co-Authored-By: Claude' (0e90cbdf6404)
- Claude Code: trailer 'Co-Authored-By: Claude' (01835b2fbbf5)
- Claude Code: trailer 'Co-Authored-By: Claude' (d9a7c3ca1d51)
- Claude Code: trailer 'Co-Authored-By: Claude' (1d3d9e047cb2)
- Claude Code: trailer 'Co-Authored-By: Claude' (aff3b90963f1)
- Claude Code: trailer 'Co-Authored-By: Claude' (6f97f175b246)
- Claude Code: trailer 'Co-Authored-By: Claude' (7c079468c4c5)
- Claude Code: trailer 'Co-Authored-By: Claude' (408df7d5e841)
- Claude Code: trailer 'Co-Authored-By: Claude' (f742f31adf93)
- Claude Code: trailer 'Co-Authored-By: Claude' (1893e715d1f7)
AI provenance describes how code was produced; it is not a quality judgment. Unless attribution is explicit, these are signals consistent with AI generation, not proof. Squash/rebase workflows, imported code, and rewritten history reduce accuracy.
Code quality
Code quality is strong: test-to-source ratio 0.42, no CI test run detected; 0% of function code in complex or long functions; 7% duplicated lines. Weakest area: duplication.
| Area | Score |
|---|---|
| Complexity (lizard) | 100 |
| Duplication | 66 |
| Code smells (Opengrep) | 100 |
| Tests and CI | 66 |
| Documentation | 80 |
| Type safety | n/a |
| Process (Scorecard review/maintenance) | n/a |
- Functions: 72; mean complexity 1.5, 90th percentile 3; 0 complex and 0 long functions
- Duplicated lines: 7.1% of 1,020 compared
- Tests: 731 test lines for 1,745 source lines (ratio 0.42); CI test commands: none detected; 70% of recent source commits also change tests
- Docs missing or thin: changelog
Security
Security posture is weak: 6 high-severity workflow issues. Weakest area: posture.
| Area | Score |
|---|---|
| Secrets (gitleaks, tree + history) | 90 |
| Static analysis (Opengrep) | 95 |
| Vulnerable dependencies (OSV) | n/a |
| CI workflows (zizmor) | 28 |
| Posture (policy, updates, signing, lockfiles) | 20 |
| OpenSSF Scorecard | n/a |
- Posture checks passed: signed commits, lockfiles; missing: security policy, dependency updates
Top findings
| Severity | Finding | Location |
|---|---|---|
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/build-and-test.yml:20 |
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/build-and-test.yml:23 |
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/build-and-test.yml:29 |
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/build-and-test.yml:37 |
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/check-doc-links.yml:18 |
| high | zizmor/unpinned-uses: unpinned action reference [confidence high] |
.github/workflows/check-doc-links.yml:21 |
| medium | zizmor/artipacked: credential persistence through GitHub Actions artifacts [confidence low] |
.github/workflows/build-and-test.yml:19 |
| medium | zizmor/artipacked: credential persistence through GitHub Actions artifacts [confidence low] |
.github/workflows/check-doc-links.yml:17 |
| medium | zizmor/excessive-permissions: overly broad permissions [confidence medium] |
.github/workflows/check-doc-links.yml:14 |
| low | gitleaks/generic-api-key: Possible generic-api-key secret in the current tree (test/docs/example file) |
shared/infrastructure/src/test/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionServiceTest.java:11 |
| low | gitleaks/generic-api-key: Possible generic-api-key secret in the current tree |
platform/api-gateway/src/main/resources/application.yml:52 |
| low | gitleaks/generic-api-key: Possible generic-api-key secret in history (commit a26a3d9d03); removed from the current tree but still retrievable |
docs/epics/E01-customer-onboarding.md:96 |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection: GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding ciphertexts are different. Unlike the Key, the IV usually does not [confidence low] |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:36 |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection: GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding ciphertexts are different. Unlike the Key, the IV usually does not [confidence low] |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:37 |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection: GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding ciphertexts are different. Unlike the Key, the IV usually does not [confidence low] |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:63 |
| low | opengrep/java.lang.security.audit.crypto.gcm-detection: GCM detected, please check that IV/nonce is not reused, an Initialization Vector (IV) is a nonce used to randomize the encryption, so that even if multiple messages with identical plaintext are encrypted, the generated corresponding ciphertexts are different. Unlike the Key, the IV usually does not [confidence low] |
shared/infrastructure/src/main/java/me/karun/bank/credit/infrastructure/encryption/AwsSecretsManagerEncryptionService.java:64 |
Static signals only: the scorer never runs the project's code. Secret findings are pattern matches that were not verified, and secret values are never stored.
Repository profile
- Source lines: 1,745; test lines: 731
| Language | Lines |
|---|---|
| Java | 2,059 |
| Kotlin | 341 |
| Shell | 76 |