Blogorz

Ideas on money, climate and learning.

Blogorz is the OrzyneX blog. We write about what we research and build, in plain language.

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Money, Finance, Learning

Before you send money home: a five-minute check

Small differences in rates and fees add up. Here is what to check every time you send.

By the OrzyneX team, October 2026

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Finance, Money, Learning

Flat rate or reducing balance? What a loan really costs

Two loans can both quote 10% and cost very different amounts. Here is why.

By the OrzyneX team, October 2026

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Research, Finance

Seeing trust where credit scores don’t

Why reliable people stay invisible to credit bureaus, and what a fairer score would need.

By the OrzyneX team, October 2026

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Climate, Education, Sustainability, Students

Why schools need to measure climate action, not just talk about it

Good intentions are not enough. How the Net Zero Schools model turns them into measured progress.

By the OrzyneX team, October 2026

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First articles coming soon

We are writing our first pieces now. Meanwhile, read our founder’s research and books below, or his articles on LinkedIn.

From LinkedIn

Selected posts by our founder, Hrithik Manikandan.

Research, books and magazine

Alternative-Data Credit Scoring for Migrant Workers

Research paper, National High School Journal of Science, September 2026.

Read the paper

A Bibliometric Mapping of Carbon-Footprint Calculators (2007–2025)

Research paper, International Journal of Social Science Research and Review, February 2026.

Read the paper

Beyond the Score: The Invisible Credit

A book on financial inclusion for hidden economies, published January 2026.

Buy on Amazon

The Fire We Kept: Bonds Beyond the End

The founder’s debut novel, published August 2025 by Notion Press.

Buy on Amazon

Humanizine

A student magazine on humanities and finance, published at Brighton College Abu Dhabi, founded and edited by our founder.

More articles by the founder are on LinkedIn.