Kinetic modelling of socio-economic systems: learning, satisficing, and regime dynamics in behavioural finance

We develop a kinetic theory of active particles (KTAP) model for heterogeneous socio-economic dynamics with multiple interactions and distribution-dependent rates or transition kernels. The binary, distribution-independent baseline is recovered exactly. In vestors carry a phenomenological cognitive coordinate and running payoff maxima, with learning, satisficing, diffusion, and exogenous regime transitions. We analyse the explicit financial extension without cognitive diffusion across all permitted mixtures of one-field-particle and two-field-particle channels and distribution-feedback levels. Each non-negative initial density with unit total mass generates a unique global non-negative mild solution preserving mass. For the binary, distribution-independent baseline, a de terministic ablation of stopping-induced subsystem migration illustrates cognitive relaxation. Exploratory particle-surrogate simulations show frequency-dependent loops.