Jean Piaget explained that people form generalizations as they experience the world, which help them to organize past experiences and provide a framework for understanding future experiences. These generalizations are called:

schemas                                          

Explanation:

Schema: In cognitive science and psychology, the term "schema" is determined as a specific pattern of an individual's behavior or thought that generally organizes different categories of information and the existing relationship among them. In other words, it signifies the process through which an individual's brain "structures" knowledge. In-short, it refers to a well-organized unit of specific knowledge related to an event or a subject.

In the question above, the given generalizations are called schemas.

the atm that sounds like it should be the answer

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