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Back to Banking 2030 - Open Finance

Synthetic users panel

Archetype migrations, empirically anchored

For Banking 2030 - Open Finance— each segment's population redistributes across archetypes under every scenario, calibrated against country-model demographics and cross-checked by uncertainty bands.

Segments

5

Scenarios

4

Archetypes

18

Profiles

119
Country model CZ·Generated 2026-04-21

Emerging customer types

Customer identities that cross your existing CRM segments — no single current product captures them.

Baselines calibrated to Eurostat demographic + EU-SILC; scenarios modeled. Directional signals for scenario planning, not population forecasts.

Scenario probabilities (prior → current): A 41%→44%(0/3 signposts) · B 21%→20%(0/3 signposts) · C 22%→22%(0/3 signposts) · D 16%→14%(0/3 signposts)

How your current segments fare across scenarios

For each CRM segment: does it stay intact, drift, or fragment under each scenario?

Simulation Comparison

Markov baseline vs. OASIS LLM-driven multi-agent simulation. Same archetype profiles, same scenario priors, two engines. Divergences ≥5pp are surfaced with interaction-trace classification (signal vs. noise) so consumers can decide whether the LLM layer is adding structural insight or just inference noise.

Week 6 PoC — pending

No simulation artefacts for banking-2030-open-finance yet.

When the OASIS PoC ships, three artefacts land in this future-space's synthetic-panel/ directory: markov-results.json, oasis-results.json, and comparison.json. The decision criterion is documented in the Week 6 retro journal — GO only if OASIS surfaces ≥2 archetype-migration findings the Markov baseline misses, with traceable interaction logs.