sistemaFutura

What sistemaFutura does

sistemaFutura is a private, US-based software company that builds Flow, an AI-powered simulation engine designed to model, simulate, and explain how change happens in complex social systems. Flow combines aggregate system dynamics modeling with individual-level microsimulation (digital twins) to show how policy, context, and behavior interact over time. The platform is delivered through a self-serve app with templates and structured workflows, a computational laboratory for large-scale simulations, sensitivity analyses, and optimization experiments, and a growing library of ready-to-use models including FinSim, a digital twin of US household financial wellness. The architecture is positioned as transparent and auditable, enabling non-technical teams to work with causal models without writing code.

The company serves two primary verticals: Financial Services (banks, fintechs, and insurance companies seeking to forecast client behavior, stress-test product strategies, and plan under uncertainty) and Social Impact (governments, multilaterals, and NGOs designing programs that face complex, interconnected systems and need to model program uptake, compare intervention bundles, and anticipate unintended consequences). Named customers and partners include BBVA, UNDP, a confidential Fortune 500 bank, the Busara Center for Behavioral Economics, and the Guatemala government/healthcare system.

Revenue is generated through a hybrid model: subscription or usage-based licensing for the Flow platform and ready-to-use models, one-time licensing for bespoke model development, and professional services for consulting and capacity-building engagements. Pricing is not publicly disclosed and is quote-based. The company was founded by Stephen Wendel (former Vice President at Busara; founder of behavioral science teams at Morningstar and HelloWallet; author of 'Designing for Behavior Change') and Alexandra De Filippo (former co-lead of the international programs division at the Behavioural Insights Team and early contributor to the Busara Center), who also co-founded the global non-profit Bescy. The company reports 7 employees and no disclosed external funding.

Name

sistemaFutura

Legal name

sistemaFutura

Website

https://sistemafutura.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

sistemaFutura builds Flow, an AI-powered simulation engine that combines aggregate system dynamics with individual-level microsimulation (digital twins) to model complex social systems for financial institutions and social impact organizations such as governments, multilaterals, and NGOs.

Ownership category

akta.pro rank

Product category

Behavioral Simulation Software

NAICS

Computer Systems Design and Related Services (5415), Research and Development in the Social Sciences and Humanities (54172), Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372), Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Scenario Planning, Forecasting Platforms & Planning Intelligence (HDAAAHAL)

akta.pro secondary industries

iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG), AI Integration & Orchestration Platforms (Connectors, Workflow, iPaaS for AI) (HDAEANAI)

Keywords

• AI simulation software
• Behavioral modeling
• Decision intelligence
• Policy simulation
• Digital twin modeling

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Flow Software Platform: Self-serve app with templates and structured workflows for insights generation. Users can develop their own models or use a repository of common scenarios. Revenue from software subscriptions or usage-based licensing.
2. Ready-to-Use Models: Pre-built models for common challenges available for immediate use, including FinSim and other domain-specific simulation models.
3. Bespoke Model Development: Custom model development or digital twins tailored to specific organizational needs, built using Flow as the engine.
4. Consulting & Enablement Services: In-depth consulting engagements including behavioral diagnosis and design, strategic advice, systemic measurement and evaluation, and capacity building through workshops and applied exercises.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

sistemaFutura offers Flow, an AI-powered simulation engine that combines aggregate system dynamics modeling with individual-level microsimulation (digital twins) to help organizations model, simulate, and explain how change happens in complex social systems. The platform delivers explainable forecasts, stress-tested what-if scenarios, and actionable leverage-point identification, and is sold to financial institutions and social impact organizations via a self-serve app, ready-to-use models, bespoke model development, and consulting engagements.

Product overview

sistemaFutura offers Flow, an AI-powered simulation engine for complex social systems. The platform combines aggregate system dynamics modeling with individual-level microsimulation (digital twins) through the Flow App, Computational Laboratory, and pre-built templates. Clients access Flow via the SystemFlow organizational platform, either as a self-serve app with ready-to-use models, or through bespoke consulting engagements. Named products include FinSim (a behavioral microsimulation model of US household financial wellness) and the Flow Computational Laboratory for large-scale simulations and optimization experiments.

Differentiator

Problem solved

Functional benefit

Brands

• Flow: AI-powered simulation engine for complex social systems that helps organizations model, analyze, and drive long-term change by turning domain knowledge and data into causal simulation models.
• FinSim
• SystemFlow

Products and services

• Flow
• SystemFlow
• Bespoke Consulting Services

Quantifiable outcome

• Increased help-seeking: More survivors used anonymous reporting mechanisms (Guatemala GBV project)
• +3 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Busara Center for Behavioral EconomicscoreStrategic or Co-development Partner · 1 January 2025sistemaFutura partnered with Busara Center for Behavioral Economics on a project tackling corruption and waste in family planning supply chains in Sub-Saharan Africa. The combined approach of Behavioral Science and Political Economy Analysis (PEA) was used to understand and tackle corruption, with systems thinking to map stakeholder interactions and identify leverage points for change.
• Leading Think Tank (Confidential)coreStrategic or Co-development Partner · 1 January 2024FinSim was developed in partnership with a leading think tank and a major financial institution. The think tank contributes research expertise and domain knowledge to the development of behavioral microsimulation models for financial wellness. This partnership enables the integration of academic rigor with computational modeling capabilities.
• Major Financial Institution (Confidential Fortune 500)coreStrategic or Co-development Partner · 1 January 2024A major US financial institution partnered in the development of FinSim, a digital twin of household Financial Wellness in the US. The institution provides real-world use cases and data insights for simulating how households navigate life events and financial decisions over time. The model has been used to assess the impact of federal legislation and community programs.
• Design and Innovation Consultancy (Confidential)minorChannel Partner/ Reseller/ DistributorConfidential design and innovation consultancy listed as a client/logo partner, indicating a working relationship for project collaboration or referral arrangements.
• Global Incubator (Confidential)minorChannel Partner/ Reseller/ DistributorConfidential global incubator listed as a client/logo partner, suggesting involvement in startup ecosystem programs or innovation initiatives related to social impact.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Palantir Technologies: Enterprise data and decision intelligence platform with deep government and financial services penetration via Foundry and Gotham. Comparable as a broad incumbent in the same enterprise AI/decision intelligence category, though Palantir focuses on data integration and operational analytics rather than behavioral simulation.
• AnyLogic: Established simulation software platform supporting system dynamics, agent-based, and discrete-event modeling. Comparable to sistemaFutura because Flow occupies a similar simulation/decision-support category, though AnyLogic is broader and more general-purpose across operations and logistics use cases.
• Palisade (RISK Optimizer / @RISK): Long-established provider of risk and decision analysis software, including Monte Carlo simulation and scenario modeling. Comparable to Flow because both sell to enterprises for stress-testing decisions under uncertainty, though Palisade's tooling is more spreadsheet-centric and less focused on social system simulation.

Emerging players

• Unlearn.AI: Builds digital twins of individual patients for clinical trial forecasting using generative AI. Comparable to sistemaFutura in its use of AI-driven digital twin simulation to model individual-level behavior under interventions, though applied to life sciences rather than financial services or social impact.

Direct peers

• Simudyne: Agent-based simulation software vendor for financial services and other industries, focused on stress-testing and scenario generation. Comparable to sistemaFutura because both target financial institutions with simulation-driven, explainable forecasts of complex behaviors and market dynamics.
• Cosmo Tech: Provider of digital twin simulation software for infrastructure and industrial systems, used for scenario testing and operational planning. Comparable to Flow because both build digital-twin simulation platforms that combine system-level and asset-level modeling for enterprise decision-making.
• Behavioural Insights Team (BIT): Global behavioral science consultancy applying RCTs and behavioral design to public policy and finance. Comparable to sistemaFutura because co-founder Ale co-led BIT's international programs and both serve governments and multilaterals with applied behavioral science, though BIT is services-led without a simulation platform.
• Lumina Decision Systems (Analytica): Maker of Analytica, a visual modeling platform for decision analysis, scenario planning, and influence diagrams. Highly comparable to Flow because it targets structured what-if and causal modeling for complex policy and business decisions, with an emphasis on transparency and explainability.
• Busara Center for Behavioral Economics: Behavioral science research organization operating in Sub-Saharan Africa with both co-founders having held senior roles there. Comparable to sistemaFutura because both apply rigorous behavioral science to development challenges, though Busara is research- and services-led and is also a customer/partner of sistemaFutura.

Others

• QuantumBlack (McKinsey): Advanced analytics arm of McKinsey combining data engineering, behavioral science, and decision modeling for enterprises. Comparable as an adjacent ecosystem participant offering decision intelligence services, though QuantumBlack is consulting-led rather than product-led like Flow.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sistemafutura

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about sistemaFutura