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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.

Create account How it works

A+4%

B+1%

C-3%

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.

THE SPEED GAP

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.

THE COLD START

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.

THE COST

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 user model

Pick from pre-built user models drawn from real survey data, or work with us to build user models 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.

User models built from real human data

Our user models are built from real surveys and qualitative sources. Work with us to bring in your own data and build user models that match your specific users.

Financially Stable

All Adults

Affluent

Early Career

Growing Families

Just About Managing

Saving for a Purchase

Pre-Retirement

Building a Safety Net

Retired

Mid-Career

Getting Out of Debt

Protecting Assets

Comfortable

Affluent

Growing Families

Early Career

Pre-Retirement

Ready-made user models

Pre-built from real survey data. 50+ user models including B2B buyers and 16 B2C Finance models.

Financially Stable Mid-Career

Accuracy89.6%

Accuracy you can verify

Every user model is measured against human ground truth with transparent results in the product. Learn more ›

AudienceTested

+ New Simulation

UK Adults 2026 - Consumer Finance

UK Adults·52 questions·Created 18 Feb 2026

90%

Avg Accuracy (1-MAE)

15%

Avg Squared Error (RMSE)

0.0618

Avg Norm Info Loss (NKLD)

Seed data 52

Testing

#QuestionDistribution

1What is your gender?

2Which age band are you in?

3Which region of the UK do you live in?

4What best describes your work situation?

5Do you own your home, rent, or something else?

6Which best describes your household?

7What is your total annual household income?

8What was the main reason you last took out a credit card?

9What is your primary way of paying for everyday purchases?

10Have you sent money to someone in another country?

11Have you used a 'Buy Now, Pay Later' service?

12Which best describes your UK credit history?

Respondent clusters

Audiences16

+ New Model

UK Consumer Finance

16 segment models

All Adults

UK adults, nationally representative

89.6%

52 questionsNKLD 0.062

Established Mid-Career

Ages 30-49, no dependents

90.1%

52 questionsNKLD 0.062

Growing Families

Couples & single parents w/ children

89.8%

52 questionsNKLD 0.057

Financially Stable

No missed payments, 1-6mo cover

89.6%

52 questionsNKLD 0.060

Getting Out of Debt

Prioritising debt reduction

89.5%

52 questionsNKLD 0.058

Building a Safety Net

Prioritising emergency savings

89.3%

52 questionsNKLD 0.060

Growing Wealth

Prioritising investing

89.1%

52 questionsNKLD 0.061

Affluent

Income £60k+, savings £25k+

89.1%

52 questionsNKLD 0.067

Saving for a Purchase

Saving for house, car, holiday

89.1%

52 questionsNKLD 0.067

Financially Comfortable

6mo+ cover, active investments

88.8%

52 questionsNKLD 0.065

Just About Managing

No missed payments, low resilience

88.7%

52 questionsNKLD 0.070

In Financial Difficulty

Missed payments or zero resilience

88.6%

52 questionsNKLD 0.064

Early Career

Ages 18-29, no dependents

88.2%

52 questionsNKLD 0.067

Pre-Retirement

Ages 50-64, employed

88.1%

52 questionsNKLD 0.071

Protecting Assets

Asset protection & retirement

87.9%

52 questionsNKLD 0.072

Retired

Retired adults

86.8%

52 questionsNKLD 0.080

Pro Tier Power Users

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Get a user model of your users

We’ll build a private user model of your customers or target segment from surveys, qualitative sources, and your proprietary data, with transparent accuracy reporting. Your data stays yours.

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Two modes. Every stage of the decision.

From ideas and hunches to prototypes and staging deployments, Semilattice gives you signal at every stage.

User Journey Simulation

Watch them use it

Simulated users navigate your prototypes the way your real users will. Every click, every hesitation, every drop-off. Use with whichever user models you care about.

User Research Simulation

Ask your users anything

Test concepts and early decisions on pricing, messaging, features and positioning. Understand a segment in depth, or compare how different user models react to the same question.

User Journey Simulation

See how they use it before you ship.

Simulated users navigate your prototypes the way your real users will. Every click, every hesitation, every drop-off. Use with whichever user models you care about.

Good afternoon, Sarah

Here's your account overview

Personal Account · ****4829

£2,847.63

Available balance

SendRequestTop up

Savings

£12,450

3 vaults

Investments

£8,234

+4.2% all time

Bills

£847

Due this month

Recent transactions

View all

Tesco Express

Groceries

-£23.45

24 Mar

TfL

Transport

-£2.80

24 Mar

Pret A Manger

Eating out

-£4.95

23 Mar

Netflix

Entertainment

-£15.99

22 Mar

Amazon

Shopping

-£34.00

21 Mar

Salary — Acme Ltd

Income

+£3,450.00

20 Mar

LIMITED TIME

Cash ISA

4.75% AER

Tax-free savings up to £20,000

Open ISA

EASY ACCESS SAVER

3.50%AER (variable)

No lock-in. Withdraw anytime.

REFER A FRIEND

Get £25 each

Invite a friend and you both earn £25.

INVESTMENTS

Stocks & Shares ISA

Invest your ISA allowance. Capital at risk.

Good afternoon, Sarah

Here's your account overview

Personal Account · ****4829

£2,847.63

Available balance

SendRequestTop up

Savings

£12,450

3 vaults

Investments

£8,234

+4.2% all time

Bills

£847

Due this month

Recent transactions

View all

Tesco Express

Groceries

-£23.45

24 Mar

TfL

Transport

-£2.80

24 Mar

Pret A Manger

Eating out

-£4.95

23 Mar

Netflix

Entertainment

-£15.99

22 Mar

Amazon

Shopping

-£34.00

21 Mar

Salary — Acme Ltd

Income

+£3,450.00

20 Mar

LIMITED TIME

Cash ISA

4.75% AER

Tax-free savings up to £20,000

Open ISA

EASY ACCESS SAVER

3.50%AER (variable)

No lock-in. Withdraw anytime.

REFER A FRIEND

Get £25 each

Invite a friend and you both earn £25.

INVESTMENTS

Stocks & Shares ISA

Invest your ISA allowance. Capital at risk.

Quick access

Transactions

Statements

Payments

Cards

Savings & investments

Help and support

Settings

Log out

Quick access

Jump to any section of your account

Statements

Transactions

Direct Debits

Standing Orders

Budgets

Spending Insights

Export Data

Settings

bank is authorised by the PRA and regulated by the FCA and PRA.

March 2026 · Current period

Money in

+£3,450.00

Money out

-£1,602.37

Transactions

Statements

Download and manage your monthly statements

Download March statement

March 2026Current

1 Mar – 24 Mar · 47 transactions · 2.3 MB

Download

February 2026

1 Feb – 28 Feb · 89 transactions · 3.1 MB

Download

January 2026

1 Jan – 31 Jan · 76 transactions · 2.8 MB

Download

December 2025

1 Dec – 31 Dec · 112 transactions · 4.0 MB

Download

November 2025

1 Nov – 30 Nov · 83 transactions · 3.0 MB

Download

October 2025

1 Oct – 31 Oct · 71 transactions · 2.6 MB

Download

NEED HELP?

Understanding your statement

Learn how to read your statement, spot errors, and raise disputes.

Read guide

TAX YEAR 2025/26

Annual tax summary

Your annual summary will be ready after 6 April. We'll notify you.

EXPORT

Export to CSV or QIF

Download transactions in a format compatible with accounting software.

Export data

REMINDER

Go paperless

You're already paperless. Statements are only available digitally.

SIM-328Female, 46 · Spender

Succeeded

Clicked "Account"

Clicked "Statements"

Clicked "Download"

“I needed my latest statement for my tax return. It was easy to find, I just went straight to statements and downloaded it.”

Pages 3

328 / 394

User Research Simulation

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 user models react to the same question.

Q2. What would you expect in a premium banking subscription?

Higher interest on savings

71%

Advanced budgeting tools

58%

Fee-free international

54%

Priority support

43%

Cashback

39%

Insurance products

22%

Q3. What is the maximum you would pay per month for premium banking?

Nothing (free only)

46%

Under £3

22%

£3-5

18%

£5-10

10%

£10+

Demographic breakdown

Willingness to pay by age

25-3034%

31-3527%

36-4018%

41-4514%

Overall sentiment

Positive23%

Neutral31%

Negative46%

Switching intent

Positive12%

Neutral19%

Negative69%

Recommendations

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.

Methodology

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.

Generated by Semilattice

SimulationComplete

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Export PDF

Would UK adults switch to a subscription model for their primary banking app?

UK Adults 25-45|2,400 digital twins|Model accuracy: 87%|4 March 2026

Predicted outcome

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.

Key insights

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.

Question simulations

Q1. How likely are you to pay a monthly fee for your primary banking app?

Very unlikely

42%

Unlikely

26%

Neutral

Likely

16%

Very likely

Semilattice MCP

Your coding agent just got users.

Run simulations without leaving your workflow. Connect Semilattice to Claude, Cursor, or any MCP-compatible tool. Use it for discovery, concept validation, feature prioritisation, message testing, conversion flow optimisation, UX comprehension, and usability testing.