PLATFORM PROFILEPrivate
Revolut
2.87
B-index (V3.1)
BLACK HOLE
Capture1.307
Escape0.456
Key Structural Insight
Building European WeChat for finance. If it becomes primary bank for enough users, B jumps above 2.5.
Eleven-Parameter Profile
Data Depth7/10
Memory6/10
Action7/10
Process7/10
Network6/10
Closeness8/10
Portability4/10
Substitutability5/10
Human Fallback5/10
Org Depth5/10
Momentum8/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.6743 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.6481 | √(d · m) |
| Operability synergy σₒ | 0.7000 | √(a · p) |
| Synergy boost | 1.2022 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.2500 | 1 + 0.5·o |
| Momentum multiplier | 1.2400 | 1 + 0.3·t |
| Total Capture | 1.3067 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.4654 | CES(x, s, h) |
| Feedback attenuation | 0.7640 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.4556 | ε + escCore · feedback |
| B = Capture / Escape | 2.87 | 1.307 / 0.456 |
Scoring Rationale
Multi-currency, crypto, stocks, insurance, eSIM — super-app strategy. Primary bank for growing share. UK banking license. But regulatory fragmentation limits network effects.
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE8+0.72
PORT4-0.35
MEM6+0.32
SUB5-0.31
FALL5-0.31
ACT7+0.30
PROC7+0.30
DATA7+0.29
ORG5+0.23
NET6+0.22
MOM8+0.14
+ raises B (deepens lock-in)− lowers B (aids escape)