Beta Integral, Driving Deep Tech in Behavioral Economics and Financial Engineering, Files Patent for Core Mathematical Model Developed by CEO Kawakami, Appoints Lecturer Ryosuke Fujitani from Hitotsubashi University as Technical Advisor

Beta Integral Co., Ltd. (Headquarters: Shinagawa-ku, Tokyo; CEO: Yasuhiro Kawakami; Representative Director: Yohei Okamoto), the Japanese subsidiary of the U.S. corporation Pensata, Inc. (Headquarters: Delaware, CEO: Yasuhiro Kawakami), announced the completion of a patent application for the proprietary technology at the core of its 'Behavioral Economics AI Engine.'

Concurrently, to demonstrate the academic validity of this engine's algorithms, Lecturer Ryosuke Fujitani from the International Corporate Strategy Program, Graduate School of Business Administration, Hitotsubashi University, was appointed as the company's Technical Advisor, effective April 1, 2026.

About the Core Technology Patent Application

The company developed a proprietary behavioral economics algorithm that quantifies human decision-making mechanisms and cognitive biases, filing a patent application on February 27, 2026. This technology is based on a prototype mathematical model conceived and developed by CEO Kawakami during his tenure at the World Bank Group (IFC), with Kawakami himself listed as the sole inventor.

Title of Invention: Information Processing Device, Information Processing Method, and Information Processing Program Application Number: Patent Application 2026-31732 Filing Date: February 27, 2026

This patented technology is an information processing technology that uses advanced mathematical models to calculate behavioral economics parameters, such as risk sensitivity and loss aversion based on prospect theory, from behavioral logs acquired through proprietary simulations. It includes a groundbreaking mechanism that uses these calculated parameters to reduce 'subjective bias' in a company's future plans and automatically correct them into objective financial forecasts.

Furthermore, the patent includes technology to infer individual cognitive biases from daily lifestyle behavior data using a proprietary AI learning model, not just direct investment behavior data, enabling a wide range of applications in the financial industry.

Social Issues Solved by the Company's AI Engine and Business Development

By quantifying human cognitive biases with the patented technology, the company will build next-generation financial infrastructure in the following two areas:

1. Next-Generation Behavioral Economics FP&A Platform It is said that many SME bankruptcies are caused by cash shortages resulting from the 'optimism bias' of managers. The company provides a financial ecosystem that prevents preventable bankruptcies by correcting manager biases with its patented technology and automatically revising business plans into realistic cash flow forecasts.

2. Financial Marketing (Data Enrichment Business) The 'AI inference technology from lifestyle behavior data' included in this patent will revolutionize next-generation marketing in the retail finance sector. By combining consumer behavior data with the company's AI engine, it enables the provision of 'next-generation customer segmentation based on cognitive biases' without going through investment simulations.

This will improve LTV (Customer Lifetime Value) for financial institutions such as credit card companies by offering optimal financial services to each customer, and significantly reduce advertising costs by narrowing the approach to highly suitable customers, thereby maximizing marketing ROI.

By welcoming Lecturer Fujitani, a specialist in accounting, as a Technical Advisor, the company will further strengthen the academic validity of this engine's algorithms and accelerate the social implementation of these Deep Tech innovations.

Future Industry-Academia Collaboration Initiatives

Through this advisory contract, the company will integrate Lecturer Fujitani's academic knowledge with the algorithm foundation built by Kawakami to promote the following initiatives:

Economic Verification of Algorithms: Using behavioral parameter data acquired through investment simulations at major financial institutions, the company will verify and strengthen the validity of analysis methods and interpretations from an academic perspective.

Joint Publication of Academic Papers: The company aims to conduct joint research using anonymized behavioral data and publish the results as co-authored papers with Lecturer Fujitani on global academic paper platforms.

Comments

Ryosuke Fujitani, Lecturer, Graduate School of Business Administration, Hitotsubashi University: 'From my perspective researching corporate disclosure and short-termism in managerial decision-making, Beta Integral's approach of 'quantifying human cognitive biases with patented technology and evaluating them as financial risks' is academically very ambitious and significant. I look forward to contributing to the social implementation of new financial engineering models through this joint research.'

Yasuhiro Kawakami, Representative Director and CEO, Beta Integral Co., Ltd.: 'When I was at the forefront of international finance at the IFC headquarters in Washington, D.C., I became convinced that what ultimately makes the difference in complex financial markets is 'human cognitive bias.' Having passed the important milestone of completing the patent application for the core technology I researched and developed myself based on that original experience, I am very encouraged to welcome Professor Fujitani as our Technical Advisor. Our Behavioral Economics AI Engine aims to be a universal financial protocol that corrects biases in capitalism. By leveraging Professor Fujitani's insights to raise the reliability of our algorithms to international academic standards, and building on the structural transition to our U.S. parent company Pensata, Inc. completed in April of this year, we will strongly push forward with full-scale expansion into the U.S. and global markets.'

Profile of Technical Advisor Ryosuke Fujitani

Current Position: Lecturer, International Corporate Strategy Program, Graduate School of Business Administration, Hitotsubashi University Career: Graduated from the Faculty of Business Administration, Hosei University; completed Master's program at the Graduate School of Commerce, Hitotsubashi University; completed Doctoral program at the same university (Ph.D. in Commerce). Current position since 2023. Associate Professor at Tokyo Keizai University from 2022 to 2023. Full-time Lecturer at the same university from 2020 to 2022. JSPS Research Fellow (DC1) from 2017 to 2020. Visiting Researcher at the Darla Moore School of Business from 2018 to 2019. Research Fields: Disclosure, Corporate Governance, Corporate Finance

About Beta Integral Co., Ltd.

With the vision of 'Becoming the Protocol of Finance,' the company develops a next-generation credit scoring engine based on behavioral economics and financial engineering. It also offers financial education app development and financial education services using artificial intelligence.

Company Name: Beta Integral Co., Ltd. Headquarters: 4F, 5-5-15 Kita-Shinagawa, Shinagawa-ku, Tokyo 141-0001 Website: https://beta-integral.com/ Established: August 5, 2019 Officers: Representative Director and CEO Yasuhiro Kawakami / Representative Director Yohei Okamoto Parent Company: Pensata, Inc. (Delaware, USA)