How to structure an AI credit model: key questions to answer

Deciding to use an AI credit model is only the starting point. Designing one that works is the real challenge. Our Simon Kucher experts walk you through the two most important structural decisions and seven design questions that shape adoption, monetization, and expansion. 

A flexible credit model turns you into something you may not have planned to become: the central bank of your own product economy. The first article in this series separated tokens, the currency in which model providers charge you, from credits, the currency in which you charge your customers. 

The catch: the moment you decide to go for a credit-based model, the central banker's job begins in earnest. You now decide how many credits each customer holds, under which rules they circulate, which AI-powered actions they can be spent on – and, above all: what is a credit worth? Not as a fixed markup on your costs, but as a reflection of the…