Predict customer behaviour.
Before it costs you a quarter.

Brox builds 1:1 digital twins of real consumers and HNWIs from hours of AI-moderated interviews. Predict switching, test product launches, simulate stress scenarios at ≈85% accuracy, traceable back to a real human moment.

What finance teams use Brox for

Credit card & product innovation

Test 50+ card concepts simultaneously, fee structures, rewards.

Customer switching & retention

Identify the 30% of "persuadable maybes" before competitors do.

Stress testing & scenario simulation

Liquidity squeezes, AI trading losses, market crashes, cyber attacks, competitive threats.

HNWI & wealth intelligence

Head-to-head positioning vs leading wealth managers.

Acquisition messaging optimisation

Message variants tested in 3 days across segments.

PE / M&A portfolio stress test

Monte Carlo across compound scenarios on portfolio company theses.

A worked example

A bank asked us to test 226 credit-card innovation concepts on 2,000 affluent twins. Top concept: "Fair Interest and Approved Deduction Policy" at 21.5/25.

69% of the top 15 winning ideas were fee-related. Twin-sourced concepts outperformed AI-generated ideas by 12%. The relationship has since expanded across multiple teams inside the bank.

Validated outcomes

Acquisition messaging

42 variations across 4 segments in 3 days. "Your money, your rules" outperformed "earn more interest" by 31% among under-35s. The top message ranked 7th by the internal marketing team.

Banking stress test

8 crisis scenarios across 5 major banks. 84% withdrawal intent in liquidity squeeze. Strong digital-only flight risk vs traditional banks at 45%. 30% of customers are persuadable "maybes."

Cross-channel campaign

23.2% best single channel (podcast). 28.1% best 2-channel combo. 0.4pp diminishing return from the third channel.

Default modelling

Validated within 0.4pp of the Federal Reserve's strategic-default prediction.

The accuracy claim

Same bank-choice prediction task. Same segment definition. Brox digital twins hit 86% accuracy. A standalone LLM hit 57%. Generic AI baseline: 48%.

Across price sensitivity, switching intent, and concept testing, the gap holds.

Bank choice prediction · Brox vs LLM vs generic

Validated against real respondent panellists

Brox digital twins
Standalone LLM (segment-prompted)
Generic AI baseline (no segment context)

Source: Brox internal benchmark, validated against real respondent panellists.

Built for regulated work

Your data stays yours. We never train on it, pool it, or share it across customers.

Our SOC 2 Type II audit is complete, with the report available to clients under NDA once issued. We honour the privacy regulation of every territory we operate in.

See the full security posture

Audiences we cover

  • High net worth individuals
  • Venture capitalists
  • Small business owners
  • Affluent
  • Mass affluent
  • General population

Custom segments recruited in 2 to 4 weeks.

Find out more

We could write pages and pages of marketing and sales fluff but instead we'd prefer just to show you the product.

Schedule a demo

Contact us and we'll set up a call, during that call you should come prepared with some business and research requests and we'll go through them together live. We'll also explain how we build our digital twins, why you can trust them, how to deploy them, how much it costs (it's a lot), how we validate them and anything else you fancy talking about. You'll see ROI immediately.

Currently live in the US, UK, Japan and Turkey and launching in much of the Middle East and APAC pretty soon.