Thailand Consumer Credit

The point forecast beat the no-change baseline overall and in a majority of the evaluated tests.

Model: Agentic Investor TSFM (foundation model)

Accuracy vs naive

+40%Beats the no-change baseline over 6 tests (6 tests, 5 won)

Direction

96%Beats a coin flip (23 of 24 calls right in 6 tests)

Turning points

n/aToo few tests (7 turns, 8 needed) (7 turns in 6 tests, 2 without a turn)

Error vs baseline

40% lowerError ratio 0.60; 1.00 is a tie.

Tests won

5 / 6Complete rolling backtests; ties count as no win.

Test period

2019-09-01 to 2025-06-014 observations ahead per test.

80% band coverage

79%Observed outcomes inside the band across all stored test windows.

• Band coverage uses all stored test windows, including model-selection windows when present; it does not determine the confidence label.
• Evaluated 2026-11-15 against the cached history through 2025-06-01.
• This is an evaluation of the serving model; it does not establish a winner across four model classes.