Simulate every version.
Ship the one that wins.
User simulation for AI-native product teams.
Semilattice simulates how real users react to product changes, concepts and decisions. Explore more ideas, find the best solution and ship with conviction.
Building is faster than ever. Deciding hasn’t kept up.
AI has compressed development timelines. But every decision still competes for the same pool of real users. The bottleneck isn’t building. It’s knowing what to build.
Your build cycle got faster. Your learning cycle didn’t.
You can ship a feature in a day. Knowing whether it was the right one still takes weeks.
New territory, no signal.
You’re designing for a segment you haven’t served yet. Their attitudes, their likely reactions, their anxieties. You need signal before you’ve built anything, and you can’t A/B test what doesn’t exist yet.
Too late.
The only way to know if a decision was right is to ship it and watch. By the time you’ve learned, you’ve already spent the engineering time.
How it works
Describe your decision
Drop in a URL or upload mocks. Choose whether you’re testing a live product or exploring a concept that doesn’t exist yet.
Choose your audience
Pick from pre-built audiences drawn from real survey data, or work with us to build audiences that match your specific users.
Simulate
Run your simulated users. Get outputs you can act on, share with your team, or feed directly into your next decision.
Two modes. Every stage of the decision.
From ideas and hunches to prototypes and staging deployments, Semilattice gives you signal at every stage.
Ask your users anything
Test concepts and early decisions on pricing, messaging, features and positioning. Understand a segment in depth, or compare how different audiences react to the same question.
Watch them use it
Simulated users navigate your product the way your real users do. Every click, every hesitation, every drop-off. Use with whichever audience segments you care about.
Ask your users anything. Get answers in minutes.
Test concepts and early decisions on pricing, messaging, features and positioning. Understand a segment in depth, or compare how different audiences react to the same question.
Q2. What would you expect in a premium banking subscription?
Q3. What is the maximum you would pay per month for premium banking?
Position any paid tier as "premium extras" rather than replacing free features — loss aversion is the biggest barrier.
Lead with budgeting and savings tools as the core value proposition for early adopters.
Consider a freemium model: free core banking, paid feature bundles under the psychological threshold.
Simulated survey of 2,400 digital twins calibrated to UK adult population (25-45). Model accuracy validated at 87% against ONS financial behaviour data. Confidence intervals: +/- 3.2% at 95% CI.
Would UK adults switch to a subscription model for their primary banking app?
The majority of UK adults aged 25-45 would not switch to a subscription banking model. Only 23% express willingness, primarily among higher earners who already pay for premium accounts. The strongest resistance comes from the 35-45 bracket who view free banking as a fundamental expectation.
Price sensitivity is the dominant factor — 68% cite "I already pay enough in fees" as their primary objection.
Users who value budgeting tools are 3.2x more likely to consider paying, suggesting feature bundling as a viable path.
Trust in traditional banks is low; 41% believe subscription would mean "paying for what should be free".
Early adopters cluster around 25-30, digitally native, already using 2+ fintech apps alongside their main bank.
Q1. How likely are you to pay a monthly fee for your primary banking app?
See how they use it before you ship.
Simulated users navigate your product the way your real users do. Every click, every hesitation, every drop-off. Use with whichever audience segments you care about.
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Download March statementSIM-328Female, 46 · SpenderAudience models built from real human data
Our audience models are built from real surveys and qualitative sources. Work with us to bring in your own data and build audiences that match your specific users.
Ready-made audiences
Pre-built from real survey data. 50+ audiences including B2B buyers and 16 B2C Finance models.
Custom audiences
Built to match your specific users, from paying customers to new signups. The data and models remain yours. Get started ›
Accuracy you can verify
Every audience model is measured against human ground truth with transparent results in the product. Learn more ›
UK Adults 2026 — Consumer Finance
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