Why intent prediction needs more than an… Yobi CTO Frank Portman explains why next-token prediction is insufficient for forecasting human behavior, detailing how the company builds a 'foundation model of behavior' using transformers and graph neural networks instead of chat-style LLMs to run millions of personalization decisions per second while preserving consumer data privacy. Ryan sits down with Frank Portman, CTO at Yobi, to talk about why next-token prediction, though great for language, isn’t the right inductive bias for forecasting human behavior. They discuss how Yobi builds a “foundation model of behavior” using transformers and graph neural networks instead of chat-style LLMs, and what it takes to run millions of personalization decisions per second while keeping consumer data private.