Risk Model Drift & Retraining Monitor

AI credit and fraud risk models don't stay accurate forever — as the economy shifts, the population of transactions and applicants a model scores drifts away from the data it was trained on, and its predictions quietly degrade. This simulator renders that process in 3D: a ridge of daily score-distribution histograms scrolls back through simulated time, drifting away from a frozen training baseline as you tune how fast and how hard the market regime shifts. A live Population Stability Index (PSI) — the exact statistic banks use to monitor deployed risk models under Basel-III-era governance — tracks how far the two distributions have diverged, model accuracy degrades as drift grows, and you can trigger a volatility shock or retrain the model on demand to watch the whole cycle reset.