Predictika · Bank core and digital banking quotes

An AI sales agent's bank core quote, checked before it goes out

An AI sales agent prepares an annual quote for a community bank: a core platform, in-house or OutLink hosting, digital banking and payments modules, a contract term and a discount. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the product line and returns a verdict, every reason and the annual total it computed.

Scope: Jack Henry core platforms (SilverLake System, CIF 20/20, Core Director, BankAnywhere) with in-house or OutLink processing and ten add-on products, with modeled sizes, prices and term rules. See everything this validator covers

This validator models Jack Henry bank core and digital banking quotes, not just the scenarios shown below.

  • Core and delivery — four core platforms at modeled asset-size bands, each priced by an annual base plus a per-thousand-account fee, with in-house processing or OutLink hosting; BankAnywhere is a cloud core and needs OutLink.
  • Digital and payments modules — Banno Digital Platform, Banno Business, Payrailz Payments Platform, LoanVantage with its online application, Financial Crimes Defender, Treasury Management and Wires, with the dependencies between them.
  • Term, discount and total — a 1 to 10 year term, a 25 percent discount limit with approval above 10 percent, review of large contracts and the stated annual total against the computed one.

Any Jack Henry core or digital banking quote that touches these rules is in scope — not only the scenarios pictured here. Product names follow public Jack Henry documents; the prices, size bands, dependencies and thresholds are modeled from comparable bank technology contracts and are not published by Jack Henry, which quotes through sales. Not covered: implementation and conversion services and other Jack Henry products.

The AI sales agentBuilds the bank core quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
A core that fits only some institution sizesOnly with care
Each core needs its own asset-size rule, and the bands change whenever a core is added or repositioned.		The core and the institution size are fields of the request and are checked together on every call.
Add-ons that need another product on the quoteOnly with care
Every dependency, such as Banno Business needing the Banno platform, is a separate rule that must be kept in step with the product list.		The products are fields of one request, so every dependency is checked together on every call.
A cloud core that cannot run in-houseOnly with care
The delivery model has to be checked against the core in a dedicated rule that must be updated as products change.		The core and the delivery choice are checked together on every call.
A stated annual total that must match the computed totalOnly with workarounds
The total is built from core, hosting, modules and discount, so a separate rule must recompute it and compare it with the stated figure.		The stated total is a field of the request and is compared with the computed annual total on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1An institution with 1,600 million dollars in assets is above the 1,500 million this core is modeled for.
2An institution with 200 million dollars in assets is below the 250 million this core is modeled for.
3JHA BankAnywhere is a cloud-based core and cannot be quoted for in-house processing; choose OutLink hosting.
4The quote has 0 thousand accounts; at least 1 thousand are needed to price the core.
5Banno Business is added to the Banno Digital Platform, which is not on the quote.
6The Payrailz Payments Platform is delivered inside the Banno Digital Platform, which is not on the quote.
7The LoanVantage Online Application needs LoanVantage on the quote.
8JHA Treasury Management is quoted with Banno Business for the commercial customer; Banno Business is not on the quote.
9A contract term of 11 years is outside the 1 to 10 years offered.
10A contract term of 3 years is shorter than the usual 5 year core term; a person should approve it.
11The annual discount is more than 10 percent of the list price; a person should approve it.
12The annual discount is more than 25 percent of the list price.
13The quote states 90,000 dollars a year; the core, hosting, modules and discount give 90,900.
14Jack Henry Wires is quoted without fraud monitoring; a person should confirm the customer accepts that.
15An annual contract of 1,015,000 dollars needs a person to review the deal.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Cloud core, add-on dependencies and term: A BankAnywhere quote on in-house processing with Banno Business and Payrailz but no Banno platform

    
The agent's request. Please quote JHA BankAnywhere for a bank with 300 million dollars in assets and 20 thousand accounts, processed in-house, with Banno Business and Payrailz Payments Platform, on a 1-year term, for 90,000 dollars a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • BankAnywhere is cloud-based. JHA BankAnywhere is a cloud-based core and cannot be quoted for in-house processing; choose OutLink hosting.
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  • Banno Business needs the Banno Digital Platform. Banno Business is added to the Banno Digital Platform, which is not on the quote.
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  • Payrailz needs the Banno Digital Platform. The Payrailz Payments Platform is delivered inside the Banno Digital Platform, which is not on the quote.
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  • Stated annual total does not match. The quote states 90,000 dollars a year; the core, hosting, modules and discount give 120,800.
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  • Core term under 5 years. A contract term of 1 years is shorter than the usual 5 year core term; a person should approve it.
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2. Cloud core, add-on dependencies and term: The agent resubmits after fixing the errors

    
The agent's request. Please quote JHA BankAnywhere for a bank with 300 million dollars in assets and 20 thousand accounts, with OutLink hosting, with Banno Digital Platform, Banno Business and Payrailz Payments Platform, on a 5-year term, for 151,600 dollars a year. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 151,600 dollars a year after discount, 758,000 dollars over the term.
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3. Size band, treasury and approvals: A Core Director quote for a 1.6 billion dollar bank with Treasury, Wires and a discount

    
The agent's request. Please quote Core Director for a bank with 1,600 million dollars in assets and 20 thousand accounts, processed in-house, with Treasury Management and Wires, on a 3-year term and an annual discount of 15,000 dollars, for 115,900 dollars a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Institution too large for the core. An institution with 1,600 million dollars in assets is above the 1,500 million this core is modeled for.
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  • Treasury Management needs Banno Business. JHA Treasury Management is quoted with Banno Business for the commercial customer; Banno Business is not on the quote.
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  • Discount above 10 percent. The annual discount is more than 10 percent of the list price; a person should approve it.
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  • Core term under 5 years. A contract term of 3 years is shorter than the usual 5 year core term; a person should approve it.
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  • Wires without Financial Crimes Defender. Jack Henry Wires is quoted without fraud monitoring; a person should confirm the customer accepts that.
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4. Size band, treasury and approvals: The agent resubmits after fixing the errors

    
The agent's request. Please quote Core Director for a bank with 1,400 million dollars in assets and 20 thousand accounts, processed in-house, with Banno Digital Platform, Banno Business, Financial Crimes Defender, Treasury Management and Wires, on a 5-year term and an annual discount of 10,000 dollars, for 216,200 dollars a year. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 216,200 dollars a year after discount, 1,081,000 dollars over the term.
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5. Accounts, term and discount: A SilverLake quote for a small bank with no accounts and a deep discount

    
The agent's request. Please quote SilverLake System for a bank with 150 million dollars in assets and 0 thousand accounts, with OutLink hosting, on a 11-year term and an annual discount of 70,000 dollars, for 180,000 dollars a year. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Institution too small for the core. An institution with 150 million dollars in assets is below the 250 million this core is modeled for.
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  • At least one thousand accounts. The quote has 0 thousand accounts; at least 1 thousand are needed to price the core.
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  • Term outside 1 to 10 years. A contract term of 11 years is outside the 1 to 10 years offered.
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  • Discount above 25 percent. The annual discount is more than 25 percent of the list price.
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  • Discount above 10 percent. The annual discount is more than 10 percent of the list price; a person should approve it.
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6. Accounts, term and discount: The agent resubmits after fixing the errors

    
The agent's request. Please quote SilverLake System for a bank with 3,000 million dollars in assets and 100 thousand accounts, with OutLink hosting, on a 7-year term and an annual discount of 20,000 dollars, for 241,500 dollars a year. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Order summary. 241,500 dollars a year after discount, 1,690,500 dollars over the term.
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares an annual quote for a community bank: a core platform, in-house or OutLink hosting, digital banking and payments modules, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the product line and returns a verdict, every reason and the annual total it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote JHA BankAnywhere for a bank with 300 million dollars in assets and 20 thousand accounts, processed in-house, with Banno Business and Payrailz Payments Platform. It is ready to send. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with four findings and one approval, all in one answer. JHA BankAnywhere is a cloud-based core and cannot be quoted for in-house processing; choose OutLink hosting. Banno Business is added to the Banno Digital Platform, which is not on the quote. The Payrailz Payments Platform is delivered inside the Banno Digital Platform, which is not on the quote. The other one is on screen.
    6. 
      
  6. The validator returned four blocking findings and one approval in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for a stated annual total that must match the computed total, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the processing to OutLink hosting, the add-on products to Banno Digital Platform, Banno Business, Payrailz Payments Platform, the term to 5 years and the annual total stated on the quote to 151,600 dollars.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All five earlier findings are cleared.
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  13. Five problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.