Holden Richard

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Open to Summer 2027 software engineering internships.

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01

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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.

Submitted to the App Store (Aug 2026)Visit Kabu View architecture
Kabu learning pathKabu daily challenge
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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

Working paper · November 2026 · Manuscript in preparation

A semester-long empirical case study of how one developer maintains control over software built with AI coding agents. Kabu, an iOS financial-literacy app, was the primary testbed; the research record also spans other projects.

ledger entries
628
280 defects · 348 near misses
session logs
171
Across the study’s projects
ledger columns
18
Failure class, detection, remedy and provenance

Analysis snapshot: October 16, 2026. Collection continued afterward; these counts describe the frozen analysis.

  1. Governance beyond authorship

    Delegating implementation left the developer responsible for verifying the system’s behavior and deciding what agents could do.

  2. Failures becoming controls

    Recorded incidents prompted written rules and machine-checkable safeguards. Controls were tested against deliberately broken inputs before being trusted.

  3. The boundary of automation

    Some decisions could become repeatable checks. Others still depended on interpretation and human judgment, especially when an external decision’s basis was unclear.

The study record

Sessions, failures, App Review decisions and key rules from the same analysis snapshot. Drag the timeline to explore the record.

study@e06613cAs of Oct 16
Jul 20Aug 1Aug 10Aug 20Sep 1Sep 10Sep 20Oct 1Oct 10
  1. succeeded
    99d
  2. succeeded
    98d
  3. succeeded
    33d
  4. succeeded
    37d
  5. succeeded
    28d
  6. succeeded
    90d
  7. succeeded
    66d
  8. succeeded
    92d
  9. succeeded
    98d
  10. succeeded
    76d
  11. succeeded
    Aug 2
  12. succeeded
    Aug 3
  13. succeeded
    Aug 6
  14. succeeded
    Aug 18
  15. succeeded
    Sep 20
  16. succeeded
    66d
  17. succeeded
    Aug 12
  18. failed
    Aug 13
  19. failed
    Aug 15
  20. succeeded
    Sep 17
  21. failed
    17d
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01 / 07
Feb 2026
FastAPISQLiteJinjaKinde Auth
LoanLens
Self-Taught Operator

1st in Fintech, 2nd Overall, UVM SWICS Hackathon 2026

Student loan analytics dashboard built by a team of four in under 48 hours. Led authentication and the sign-in flow: Kinde OAuth with two-factor authentication and Google/GitHub social login.

FastAPISQLiteJinjaKinde Auth
View the code
04

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  1. University of Vermont

    Started B.S. Computer Science

    2024

    Began studying computer science at UVM.

  2. TISL LLC

    Founder and Developer

    2026 - Present

    Designed and built Kabu alone, from zero prior Swift experience to an App Store submission in August 2026.

    Swift · SwiftUI · Firebase · StoreKit 2

  3. Auckland University of Technology

    Independent research

    Jul 2026 - Nov 2026

    Conducted the governance study as a supervised independent research course.

    Research design · Python · GitHub Actions

  4. UVM Department of Computer Science

    Student Developer

    Oct 2026 - Present

    Rebuilding the CatCoders website (catcoders.org) in React for the department.

    React

  5. University of Vermont

    Accepted into the AMP

    2026

    Admitted to the M.S. in Complex Systems and Data Science through UVM’s Accelerated Master’s Pathway.

  6. University of Vermont

    Upcoming

    Complete B.S. Computer Science

    May 2027 · Expected

    Expected completion of the bachelor’s degree before continuing into the master’s program.

  7. University of Vermont

    Upcoming

    Continue into the M.S. program

    2027 - 2028 · Expected

    Complex Systems and Data Science through the Accelerated Master’s Pathway. Expected completion: May 2028.

Earlier experience · Jersey Mike’s, Shift Lead

Jun 2023 - May 2026

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Open to Summer 2027 software engineering internships.

hgrichar@uvm.edu