Holden Richard
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Learn the stock market before you risk a dollar
A gamified financial literacy app for iPhone, built solo under TISL LLC starting from no Swift experience. 25 quiz-gated lessons across 5 units, 4 historical market simulations, and a paper-trading sandbox that benchmarks returns against the S&P 500, including losses.
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Sole researcher, Jul 2026 - Present. Independent research (CRWT 700), Auckland University of Technology.
Supervisor: Richard Pamatatau, Senior Lecturer, Auckland University of Technology
A semester-long empirical study of governance for agent-assisted software, run on the build of an iOS app with a session log for every working session, a defect ledger, an attestation register, and machine-checked rules.
Counts as of September 23, 2026. Ongoing through November 2026. Dataset release planned at the end of the study.
121
Session logs
Every working session gets a log: what was asked, what changed, and how it was checked.
428
Defect ledger
Every defect and near miss is recorded the turn it is found, with how it was caught. 219 defects, 209 near misses.
44
Rules and gates
Defects that repeat become written rules, and the ones a machine can check become gates that run on every push.
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Promises
The app's formal promises, like its privacy manifest, policies and age rating, are checked against what the code does.
The study so far
Every session log, ledger row, App Review decision and landmark rule, on the day it happened. Drag the timeline to move through it.
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1st in Fintech, 2nd Overall, Second Annual UVM SWICS Hackathon
Student loan analytics platform built by a team in under 48 hours. Led the backend; judges cited the authentication implementation as a top technical decision.
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- Jersey Mike's
Shift Lead
Jun 2023 - PresentRun shifts and train new staff alongside a full course load.
- University of Vermont
B.S. Computer Science, then M.S. Complex Systems and Data Science
2024 - 2028Bachelor's through May 2027, continuing into the master's through the Accelerated Master's Pathway.
- TISL LLC
Founder and Developer
2026 - PresentDesigned and built Kabu alone, from zero prior Swift experience to a release candidate in App Store review.
SwiftSwiftUIFirebaseStoreKit 2 - Auckland University of Technology
Exchange semester and independent research
Jul 2026 - Nov 2026Semester abroad in New Zealand, running the governance study as a supervised independent research course.
Research designPythonGitHub Actions