{
  "author": "Adrian Dunkley",
  "source_type": "Owner-supplied account, not an independent portfolio audit",
  "account_supplied": "2026-10-30",
  "record_prepared": "2026-11-03",
  "covid_bank": {
    "currency": "JMD",
    "lending_made_available": 3000000000,
    "institution": "Anonymous large Caribbean commercial bank",
    "reported_outcome": "Lower default rate than main traditionally banked portfolio",
    "default_definition": null,
    "observation_period": null,
    "cohort_size": null,
    "causal_effect_established": false,
    "period": "During COVID",
    "approach": "Used AI models to develop tailored financial plans.",
    "reported_groups_served": [
      "Teachers",
      "Tourism professionals",
      "Transportation officers",
      "Business process outsourcing workers",
      "Knowledge process outsourcing workers"
    ],
    "cohort_differences": null
  },
  "separate_fintech": {
    "reported_default_rate": "below 2%",
    "reported_unbanked_share": "approximately 90%",
    "is_covid_bank_portfolio": false,
    "inputs": "Relatively few data points, according to the owner account."
  },
  "presentation_summary": {
    "title": "Customer Equity Trees v1",
    "author": "Adrian Dunkley",
    "inspected_sections": [
      "Purpose",
      "Objectives",
      "Methodology",
      "Work done so far",
      "Ethical concerns"
    ],
    "approach": "Maps feasible customer transitions, choice, timing and value; includes proposed methodology.",
    "ethical_risk": "Encouraging customer spending rather than long-term customer value.",
    "formal_definition_unresolved": "Customer net worth versus firm cash flows; thesis not yet located.",
    "no_detailed_equations_published": true,
    "research_context": "Adrian’s customer lifetime value research considered what an assessment of a customer’s current circumstances could miss over a longer relationship."
  }
}