Predictika · Embedded credit score and offers quotes

An AI sales agent's SavvyMoney credit program quote, checked before it goes out

An AI sales agent prepares a quote for a bank, credit union or fintech that wants SavvyMoney inside its digital banking: Credit Score and Financial Wellness, InstantAccess, the Offers Engine, Pre-Approval Marketing, Get My Rate, Lending, Account Opening, Analytics, The Hub and Home Value and Equity, on its digital banking platform, with core booking, an institution size, a term and a total. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the modules, dependencies and pricing tiers and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: SavvyMoney Credit Score and Financial Wellness, InstantAccess, Offers Engine, Pre-Approval Marketing, Get My Rate, Lending, Account Opening with Plaid Link, Analytics, The Hub and Home Value and Equity quotes for banks, credit unions and fintechs: platform, core booking, size tier, term and the stated total. See everything this validator covers

This validator models SavvyMoney credit program quotes built from the modules described on the SavvyMoney website, not just the scenarios shown below.

  • Modules — Credit Score and Financial Wellness (real-time scores and reports, monitoring and alerts, score simulator), InstantAccess (automatic enrollment through the digital banking terms), the Offers Engine (pre-qualified offers inside the Credit Score experience), Pre-Approval Marketing (automated pre-approved lending campaigns), Get My Rate (white-labeled pre-qualification beyond digital banking), Lending (offer to decision to core booking to funding), Deposit and Loan Account Opening (with Plaid Link for external funding), Analytics and Competitive Intelligence, The Hub (turnkey campaigns and content), Home Value and Equity and Allstate Identity Protection.
  • Dependencies — Get My Rate, Lending and Home Value and Equity need the Offers Engine; Lending and account opening need core booking; Plaid Link needs Deposit Account Opening; Pre-Approval Marketing needs Analytics; identity protection needs InstantAccess; InstantAccess needs one of the listed digital banking platforms. These follow how the SavvyMoney pages describe the products; a few are typical assumptions, listed in the fine print.
  • Platforms and size — Alkami, Q2, Fiserv, NCR Voyix and MeridianLink, or a platform outside that list; credit unions, banks and fintechs. SavvyMoney publishes no prices, so the size tiers (under $500 million, $500 million to $2 billion, $2 billion to $10 billion and over $10 billion in assets), the platform fee, the per-user rate, the module fees and the setup fees on this page are illustrative.
  • Approvals — an unlisted digital banking platform, prescreened offers (Pre-Approval Marketing), institutions over $20 billion in assets, more than 2 million digital users, terms over 60 months and an unusual number of users for the institution's size go to a person.

Any SavvyMoney credit program quote that touches these modules, platforms and rules is in scope — not only the scenarios pictured here. Not covered: other digital banking platforms by name, credit bureau options beyond the TransUnion data the pages describe, white-label or custom development, negotiated discounts and taxes. Product descriptions are those read in October 2026 and may change.

The AI sales agentBuilds the SavvyMoney credit program 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
Modules that depend on each otherOnly with care
Get My Rate, Lending and Home Value and Equity need the Offers Engine, Lending and account opening need core booking, Plaid Link needs deposit opening and campaigns need Analytics; each is its own product rule that has to be kept current as modules are added.		All the dependencies are read from the choices together, so a missing module is named in the same answer as every other problem.
Pricing that moves with institution sizeOnly with workarounds
The size tier sets the platform fee, the per-user rate and a multiplier on every module fee; in a CPQ that is several lookup tables keyed on a derived tier, and a total goes quietly wrong when one is missed.		The tier is derived from the assets in the quote and every price is computed from it in one pass.
Users billed depend on a moduleOnly with workarounds
InstantAccess changes how many digital banking users are enrolled, and so billed, from about 4 in 10 to nearly all; the stated total is wrong when the quote prices the opt-in count.		The enrollment rate follows the InstantAccess choice and the total is compared with the stated figure in the same pass.
A module that only works on some platformsOnly with care
InstantAccess enrolls users through the digital banking terms, so it needs a listed platform; the rule has to read the platform and the module together.		Both choices are fields of the quote and are checked on every call.
Paying for a connection nothing usesOnly when vigilant
A core booking connection is a setup fee; a rep has to notice that no Lending or account opening module remains to use it.		The connection is checked against the modules that use it 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.

    
1The quote does not state the institution assets; the institution size is needed to set the pricing tier.
2The quote has 45 thousand digital banking users for 0 million dollars in assets, which is unusually many for the size, so a person should confirm the count.
3The quote has no digital banking users; at least 1 thousand are needed for the credit score service.
4The quote has a term of 11 months; the minimum term is 12 months.
5The quote lists 4 offer products but does not include the Offers Engine that shows them.
6The quote includes the Offers Engine but lists no loan or deposit products to offer.
7The quote includes Get My Rate but not the Offers Engine; Get My Rate delivers pre-qualified offers from the Offers Engine.
8The quote includes Lending but not the Offers Engine; the lending flow starts from a pre-qualified offer.
9The quote includes Lending but no core booking connection; approved loans are booked directly to the core.
10The quote includes Deposit Account Opening but no core booking connection; new accounts are booked directly to the core.
11The quote includes Loan Account Opening but no core booking connection; new loans are booked directly to the core.
12The quote includes Plaid Link for external account funding but not Deposit Account Opening, where it is used.
13The quote includes Pre-Approval Marketing but not Analytics, which tracks and refines the campaigns.
14The quote includes Pre-Approval Marketing, which sends firm offers of credit to prescreened consumers, so a person should confirm the compliance review.
15The quote includes Pre-Approval Marketing with 4 thousand digital banking users; campaigns need at least 5 thousand.
16The quote includes Home Value and Equity but not the Offers Engine that carries the home equity and refinance offers.
17The quote includes InstantAccess on a digital banking platform outside the integrations listed; InstantAccess enrolls users through the digital banking terms and needs one of them.
18The quote uses a digital banking platform outside the integrations listed, so a person should scope the integration and its price.
19The quote includes identity protection but not InstantAccess, which provides it.
20The quote pays for a core booking connection, but no module that books to the core is included.
21The quote is for an institution with 20,001 million dollars in assets; pricing at this size is negotiated, so a person should confirm it.
22The quote has 2,000 thousand digital banking users for 8,000 million dollars in assets, which is unusually many for the size, so a person should confirm the count.
23The quote has 2,001 thousand digital banking users; user pricing at this volume is negotiated, so a person should confirm it.
24The quote has 2,001 thousand digital banking users for 8,000 million dollars in assets, which is unusually many for the size, so a person should confirm the count.
25The quote has a term of 61 months; a term longer than 60 months should be confirmed by a person.
26The quote has 61 thousand digital banking users for 400 million dollars in assets, which is unusually many for the size, so a person should confirm the count.

  

  

    
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. Credit union, $6.4 billion: The full SavvyMoney program on Q2 for a large credit union

    
The agent's request. Please quote SavvyMoney for a credit union with $6.4 billion in assets and 520 thousand digital banking users, on Q2 digital banking, for a 36-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes Get My Rate, Lending, Deposit Account Opening, Loan Account Opening, Plaid Link, Analytics, The Hub, Home Value and Equity and Allstate Identity Protection. It features 6 offer products. The quote states a total of $2,168,960.00 for 36 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Offer products without the Offers Engine. The quote lists 6 offer products but does not include the Offers Engine that shows them.
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  • Get My Rate without the Offers Engine. The quote includes Get My Rate but not the Offers Engine; Get My Rate delivers pre-qualified offers from the Offers Engine.
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  • Lending without the Offers Engine. The quote includes Lending but not the Offers Engine; the lending flow starts from a pre-qualified offer.
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  • Lending without core booking. The quote includes Lending but no core booking connection; approved loans are booked directly to the core.
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  • Deposit account opening without core booking. The quote includes Deposit Account Opening but no core booking connection; new accounts are booked directly to the core.
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  • Loan account opening without core booking. The quote includes Loan Account Opening but no core booking connection; new loans are booked directly to the core.
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  • Home Value and Equity without the Offers Engine. The quote includes Home Value and Equity but not the Offers Engine that carries the home equity and refinance offers.
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  • Identity protection without InstantAccess. The quote includes identity protection but not InstantAccess, which provides it.
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  • Stated total does not match. The quote states a total of $2,168,960.00 for the term; the quote prices give $2,024,960.00.
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2. Credit union, $6.4 billion: The agent resubmits after fixing the errors

    
The agent's request. Please quote SavvyMoney for a credit union with $6.4 billion in assets and 520 thousand digital banking users, on Q2 digital banking, for a 36-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes InstantAccess, the Offers Engine, Get My Rate, Lending, Deposit Account Opening, Loan Account Opening, Plaid Link, Analytics, The Hub, Home Value and Equity and Allstate Identity Protection. It features 6 offer products. It connects core booking. The quote states a total of $2,999,784.00 for 36 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $82,494.00 and a term total of $2,999,784.00.
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3. Community bank, $1.4 billion: Pre-Approval Marketing and InstantAccess on an unlisted platform

    
The agent's request. Please quote SavvyMoney for a bank with $1.4 billion in assets and 70 thousand digital banking users, on another digital banking platform, for a 6-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes InstantAccess, the Offers Engine, Pre-Approval Marketing, Get My Rate, The Hub and Home Value and Equity. It features 5 offer products. The quote states a total of $206,120.00 for 6 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Term shorter than the minimum. The quote has a term of 6 months; the minimum term is 12 months.
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  • Pre-Approval Marketing without Analytics. The quote includes Pre-Approval Marketing but not Analytics, which tracks and refines the campaigns.
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  • InstantAccess on an unlisted platform. The quote includes InstantAccess on a digital banking platform outside the integrations listed; InstantAccess enrolls users through the digital banking terms and needs one of them.
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  • Stated total does not match. The quote states a total of $206,120.00 for the term; the quote prices give $133,104.00.
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  • Unlisted digital banking platform. The quote uses a digital banking platform outside the integrations listed, so a person should scope the integration and its price.
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  • Prescreened offers need a compliance check. The quote includes Pre-Approval Marketing, which sends firm offers of credit to prescreened consumers, so a person should confirm the compliance review.
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4. Community bank, $1.4 billion: The agent resubmits after fixing the errors

    
The agent's request. Please quote SavvyMoney for a bank with $1.4 billion in assets and 70 thousand digital banking users, on another digital banking platform, for a 12-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes the Offers Engine, Pre-Approval Marketing, Get My Rate, Analytics, The Hub and Home Value and Equity. It features 5 offer products. The quote states a total of $216,120.00 for 12 months. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Unlisted digital banking platform. The quote uses a digital banking platform outside the integrations listed, so a person should scope the integration and its price.
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  • Prescreened offers need a compliance check. The quote includes Pre-Approval Marketing, which sends firm offers of credit to prescreened consumers, so a person should confirm the compliance review.
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  • Quote summary. Monthly charge of $16,760.00 and a term total of $216,120.00.
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5. Credit union, $380 million: Plaid Link with InstantAccess for a small credit union

    
The agent's request. Please quote SavvyMoney for a credit union with $380 million in assets and 22 thousand digital banking users, on Alkami digital banking, for a 12-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes InstantAccess, the Offers Engine, Plaid Link and The Hub. It features 3 offer products. The quote states a total of $59,672.00 for 12 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Plaid Link without deposit account opening. The quote includes Plaid Link for external account funding but not Deposit Account Opening, where it is used.
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  • Stated total does not match. The quote states a total of $59,672.00 for the term; the quote prices give $83,412.80.
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6. Credit union, $380 million: The agent resubmits after fixing the errors

    
The agent's request. Please quote SavvyMoney for a credit union with $380 million in assets and 22 thousand digital banking users, on Alkami digital banking, for a 12-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. It also includes InstantAccess, the Offers Engine, Deposit Account Opening, Plaid Link and The Hub. It features 3 offer products. It connects core booking. The quote states a total of $122,812.80 for 12 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $7,734.40 and a term total of $122,812.80.
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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 a quote for a bank, credit union or fintech that wants SavvyMoney inside its digital banking: Credit Score and Financial Wellness, InstantAccess, the Offers Engine, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the modules, dependencies and pricing tiers and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote SavvyMoney for a credit union with $6.4 billion in assets and 520 thousand digital banking users, on Q2 digital banking, for a 36-month term. It includes Credit Score and Financial Wellness with monitoring and alerts and the score simulator. The rest of the request is on screen. The quote states a total of $2,168,960.00 for 36 months.
    4. 
      
  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with nine findings, all in one answer. The quote lists 6 offer products but does not include the Offers Engine that shows them. The quote includes Get My Rate but not the Offers Engine; Get My Rate delivers pre-qualified offers from the Offers Engine. The quote includes Lending but not the Offers Engine; the lending flow starts from a pre-qualified offer. The other six are on screen.
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  6. The validator returned nine blocking findings 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 modules that depend on each other, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the stated total to $2,999,784.00. It sets the InstantAccess to on, the Offers Engine to on and the core booking connection to on.
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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. The validator also returns the line-item quote. It starts with SavvyMoney platform fee and Monitoring and alerts; the other sixteen lines are on screen.
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  13. All nine earlier findings are cleared, and the validator's total, $2,999,784.00, matches the quote.
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  14. Nine problems caught in one call, fixed in one pass, and a clean $2,999,784.00 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    15.