Comprehensive analysis of 226 customer-sourced solutions tested on 2,000 digital twins representing lower income banking customers
A comprehensive 8-step process to identify and validate credit card solutions for lower income customers
This report presents findings from a comprehensive study testing solutions to credit card pain points for lower income US bank customers. The study used Brox.AI digital twins to evaluate 226 unique ideas across multiple dimensions.
Brox.AI digital twins are one-to-one AI representations of real people. Each digital twin is created from extensive survey data, behavioral patterns, and preference profiles collected from actual customers. These digital representations accurately simulate how real individuals would respond to new products, features, and ideas—enabling rapid testing at scale without the time and cost of traditional focus groups or surveys. Our digital twins predict actual human decisions with 85-93% accuracy.
10 idea categories evaluated across 5 key metrics on a 1-5 scale
Index Score: Sum of all 5 metric averages. Maximum possible score: 25 points. Provides a comprehensive measure of each idea's overall potential.
Three critical insights from the comprehensive pain points analysis of lower income customers
'Fair Interest and Approved Deduction Policy' achieved the highest Index Score of 21.5/25, demonstrating strong performance across all metrics with lower income customers.
11 of 15 top ideas (69%) relate to fees and interest rates. This overwhelming concentration indicates that cost-related pain points are the primary concern for lower income credit card customers.
Human-generated ideas scored 17.3 average index vs ChatGPT's 15.5 — a 12% higher performance. Real customer insights prove more valuable than AI-generated solutions.
Final scores from comprehensive testing on 2,000 lower income customer digital twins
| Rank | Idea Name | Category | Important | Relevant | Effective | Switching | Innovation | Index |
|---|---|---|---|---|---|---|---|---|
| 1 | Fair Interest and Approved Deduction Policy | Fees & Interest | 4.43 | 4.22 | 4.53 | 3.80 | 4.52 | 21.5 |
| 2 | Fee Elimination and Full Transparency | Fees & Interest | 4.52 | 4.27 | 4.79 | 3.90 | 3.79 | 21.3 |
| 3 | No-Annual-Fee Essential Needs Card Program | Fees & Interest | 4.59 | 4.52 | 4.74 | 3.56 | 3.73 | 21.1 |
| 4 | Interest-Free Card and Installment Plan | Fees & Interest | 4.41 | 4.25 | 4.34 | 3.68 | 4.33 | 21.0 |
| 5 | Fee Transparency and Annual Fee Elimination | Fees & Interest | 4.50 | 4.38 | 4.69 | 3.53 | 3.74 | 20.8 |
| 6 | Instant Fraud Alert and Verification Call | Security | 4.66 | 4.11 | 4.62 | 3.09 | 4.34 | 20.8 |
| 7 | 1% Interest Installment Card and Minimum Payment Interest Waiver | Credit Limit | 3.99 | 4.02 | 4.44 | 3.50 | 4.40 | 20.4 |
| 8 | No-Annual-Fee Credit Card | Fees & Interest | 4.51 | 4.47 | 4.87 | 3.55 | 2.83 | 20.2 |
| 9 | Interest and Commission Reduction Program | Fees & Interest | 4.33 | 4.23 | 4.42 | 3.65 | 3.42 | 20.1 |
| 10 | Annual Card Fee Elimination or Automatic Refund | Fees & Interest | 4.27 | 4.21 | 4.70 | 3.30 | 3.41 | 19.9 |
| 11 | Fast Service and Instant Support | Support | 4.38 | 4.13 | 4.59 | 3.16 | 3.52 | 19.8 |
| 12 | Daily Interest and Debt Transparency Notifications | Fees & Interest | 4.04 | 3.94 | 4.41 | 2.48 | 4.09 | 19.0 |
| 13 | Half-Price Card Interest for Payroll Customers | Fees & Interest | 3.80 | 3.57 | 4.34 | 3.21 | 3.66 | 18.6 |
| 14 | Instant Approved Limit Increase | Credit Limit | 3.38 | 3.57 | 4.29 | 2.43 | 4.05 | 17.7 |
Patterns and themes emerging from the highest-performing solutions for lower income customers
Average Index Scores across all 10 idea categories (Initial Testing)
Key Insight: The top 3 categories all score above 18.3/25, with Installment & Payment Flexibility and Customer Support sharing the lead at 18.4. However, Fees & Interest Rates has the most ideas (46) providing more actionable solutions for lower income customers.
Comparative performance analysis between customer-sourced and ChatGPT-generated solutions
| Source | Ideas | Important | Relevant | Effectiveness | Switching | Innovation | Index |
|---|---|---|---|---|---|---|---|
| Human | 198 | 3.6 | 3.6 | 4.1 | 2.6 | 3.5 | 17.3 |
| ChatGPT | 28 | 3.1 | 3.0 | 3.7 | 2.2 | 3.5 | 15.5 |
Strategic Implication: Human-sourced ideas consistently outperform AI across all metrics except Innovation (tied at 3.5). This validates the value of customer research and suggests continued investment in gathering direct feedback from lower income customers for product development.
Strategic priorities based on research findings for serving lower income customers
Highest performers from the initial 300 digital twin evaluation
| Idea | Category | Important | Relevant | Effectiveness | Switching | Innovation | Index |
|---|---|---|---|---|---|---|---|
| No-Annual-Fee Essential Needs Card | Fees & Interest | 4.4 | 4.4 | 4.6 | 3.4 | 3.9 | 20.7 |
| Fee Elimination and Transparency | Fees & Interest | 4.5 | 3.9 | 4.7 | 3.9 | 3.6 | 20.6 |
| Fair Interest Policy | Fees & Interest | 4.4 | 4.1 | 4.3 | 3.5 | 4.3 | 20.6 |
| No-Annual-Fee Credit Card | Fees & Interest | 4.4 | 4.3 | 4.9 | 3.8 | 3.1 | 20.5 |
| Instant Fraud Alert | Security | 4.6 | 3.9 | 4.6 | 3.1 | 4.3 | 20.5 |
| 1% Interest Installment Card | Credit Limit | 4.0 | 4.0 | 4.6 | 3.4 | 4.5 | 20.5 |
Digital twins that predict actual human decisions with 85-93% accuracy
Each of our 2,000 digital twins is a one-to-one AI representation of a real person. Built from comprehensive behavioral data and preference profiles, these digital representations accurately simulate how real individuals respond to products, features, and ideas—enabling rapid, large-scale testing that would be impossible with traditional research methods.
For more information: contact@brox.ai