BANKING77 · 77-case paired pilot · 18 September 2026

Jev is very cheap.
Cheap is not the hard part.

Nine AI models classified exactly the same banking-support requests. Jev cost almost nothing, but the stronger models also cost pennies—and made materially fewer mistakes. For most businesses, the cost of a wrong decision matters more than the cost of the model call.

Highest observed accuracy88.3%GPT-6 Astra · 68 of 77 correct
Near the top, much cheaper87.0%Gemini 3.8 Flash · 81% cheaper than Astra here
Jev75.3%$0.07 per 1,000 classifications

The practical comparison is Jev vs Luna. On this prompt, Jev saved only $0.04 per 1,000 requests versus GPT-5.6 Luna, while making about 7.8 more errors per 100 requests. At ordinary business volumes, that is a poor trade unless mistakes are almost free.

What happened?

We selected one request from each of BANKING77's 77 support categories. Every model saw the same request and the same 77 allowed labels. There was no LLM judge: a prediction counted only when it exactly matched the dataset's gold routing label.

GPT-6 Astra68/77
88.3%
Gemini 3.8 Flash67/77
87.0%
GPT-5.6 Luna64/77
83.1%
GPT-5.6 Sol64/77
83.1%
Claude Fable 5.164/77
83.1%
DeepSeek V4.1 Flash61/77
79.2%
Claude Opus 561/77
79.2%
Claude Sonnet 560/77
77.9%
Jev58/77
75.3%

Do not over-read the top two. Astra got 68 cases right; Gemini got 67. They disagreed in only five decisive cases, and this 77-case pilot cannot establish that one is generally better. It can establish that both were substantially stronger than Jev in this sample.

Model price is rarely the business bottleneck

The chart puts quality and inference cost on the same page. Cost uses a log scale because the models span more than two orders of magnitude. Click any model for its details.

Cost versus classification accuracyNine models. Cost per thousand requests uses a logarithmic horizontal scale. Accuracy is shown on a clipped vertical range.75%80%85%90%$0.05$0.1$0.25$0.5$1$2.5$5$10Cost per 1,000 classifications · USD · log scaleAccuracy on 77 casesJev: 75.3% accuracy, $0.07 per 1,000. Click for details.JevGPT-5.6 Luna: 83.1% accuracy, $0.12 per 1,000. Click for details.GPT-5.6 LunaGPT-5.6 Sol: 83.1% accuracy, $1.12 per 1,000. Click for details.GPT-5.6 SolGPT-6 Astra: 88.3% accuracy, $6.28 per 1,000. Click for details.GPT-6 AstraClaude Opus 5: 79.2% accuracy, $4.86 per 1,000. Click for details.Claude Opus 5Claude Fable 5.1: 83.1% accuracy, $9.89 per 1,000. Click for details.Claude Fable 5.1Gemini 3.8 Flash: 87.0% accuracy, $1.19 per 1,000. Click for details.Gemini 3.8 FlashClaude Sonnet 5: 77.9% accuracy, $1.95 per 1,000. Click for details.Claude Sonnet 5DeepSeek V4.1 Flash: 79.2% accuracy, $0.08 per 1,000. Click for details.DeepSeek V4.1 Flash
Up and left is better: more accurate and cheaper. The vertical axis is intentionally clipped to the observed 72–91% range; it does not start at zero.Swipe the chart horizontally →

The table below translates the same experiment into operational units. “Errors per 100” is simply what this small pilot observed; it is not a production SLA.

ModelAccuracyErrors / 100Cost / 1,000Median latency
GPT-6 Astra 88.3% 11.7 $6.28 1.72s
Gemini 3.8 Flash 87.0% 13.0 $1.19 2.82s
GPT-5.6 Luna 83.1% 16.9 $0.12 0.97s
GPT-5.6 Sol 83.1% 16.9 $1.12 1.45s
Claude Fable 5.1 83.1% 16.9 $9.89 3.33s
DeepSeek V4.1 Flash 79.2% 20.8 $0.08 0.49s
Claude Opus 5 79.2% 20.8 $4.86 2.31s
Claude Sonnet 5 77.9% 22.1 $1.95 2.02s
Jev 75.3% 24.7 $0.07 0.39s

Costs are the OpenRouter usage.cost reported for the 77 successful calls, extrapolated to 1,000 requests. They include each model's actual token usage in this run, including reasoning tokens where reported. Initial development retries are excluded.

Business implication: even the most expensive model here cost less than one cent per classification. If a wrong route causes a human hand-off, customer delay, rework, fraud exposure, or compliance risk worth more than a few cents, optimize decision quality first. Optimize token price second.

Confidence is not a guarantee

A useful confidence score should behave like a probability: decisions called “90% confident” should be right about 90% of the time. Jev was 87.4% confident on average but only 75.3% correct. Luna showed a similar gap. Opus and Fable looked better calibrated in aggregate, but 77 cases is too small to certify production thresholds.

Jev's confidence was still useful for ranking risk: its AUROC was 0.811. That means the score contains signal about which cases are dangerous—even though the number itself is too optimistic.

Business implication: never turn “confidence ≥ 95%” directly into “no human review.” Learn that threshold from historical cases with known answers, freeze it, and validate it on untouched cases.

What should a company do with Jev?

Use it as a specialist, not as a frontier-model replacement. Jev is attractive when you need huge volumes of bounded, typed decisions, latency matters, and mistakes are cheap or easily caught downstream. Its median response here was 0.39s.

For higher-stakes classification, this pilot points instead toward a strong general model—especially Gemini 3.8 Flash or Astra—because the absolute inference cost is still tiny. A sensible architecture may be a cheap first pass plus escalation, but the escalation rule should be learned from a larger held-out benchmark, not invented from this pilot.

Also note the dataset itself is imperfect for this prompt-only setup: 6 of 77 requests were missed by all nine models. Several depend on fine distinctions that are clearer with a routing guide than with label names alone. Production evaluation should include the real policy or taxonomy definitions users expect the model to follow.

Technical detail

See all 77 classification results

Each row is the actual customer request; each model column shows its predicted label. ✓ green cells are correct. ✕ red cells are wrong; hover them to see the expected label. Scroll horizontally to compare models.

Customer requestGPT-6 AstraGemini 3.8 FlashGPT-5.6 LunaGPT-5.6 SolClaude Fable 5.1DeepSeek V4.1 FlashClaude Opus 5Claude Sonnet 5Jev
I requested a refund from a store but it hasn't arrived. Refund not showing up Refund not showing up Refund not showing up Refund not showing up Refund not showing up Refund not showing up Refund not showing up Refund not showing up Refund not showing up
I would like to get help from someone with activating my card. activate my card activate my card activate my card activate my card activate my card activate my card activate my card activate my card activate my card
How old do you have to be to be able to open an account? age limit age limit age limit age limit age limit age limit age limit age limit age limit
Why isn't my top up working using my saved American Express in ApplePay? apple pay or google pay supported cards and currencies apple pay or google pay apple pay or google pay apple pay or google pay apple pay or google pay top up failed top up failed top up failed
Which ATMs accept this card? atm support atm support atm support atm support atm support atm support atm support atm support atm support
What's the limit on automatic top-up? automatic top up automatic top up automatic top up automatic top up automatic top up top up limits top up limits automatic top up automatic top up
I just completed a bank transfer and the balance didn't update balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer balance not updated after bank transfer
My cash deposit from a week ago hasn't shown up. I need the money - how quickly can you sort this out? balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after cheque or cash deposit balance not updated after bank transfer balance not updated after cheque or cash deposit
Can I transfer money to a beneficiery? beneficiary not allowed beneficiary not allowed beneficiary not allowed beneficiary not allowed beneficiary not allowed transfer into account beneficiary not allowed beneficiary not allowed transfer into account
I want to reverse my transaction from earlier cancel transfer cancel transfer cancel transfer cancel transfer cancel transfer request refund request refund cancel transfer reverted card payment
I need a new card, my current card is nearly expired. card about to expire card about to expire card about to expire card about to expire card about to expire card about to expire card about to expire card about to expire card about to expire
What places can I use my card? card acceptance card acceptance card acceptance card acceptance card acceptance card acceptance card acceptance card acceptance card acceptance
Is there a way to know when my card will arrive? card arrival card delivery estimate card arrival card delivery estimate card delivery estimate card delivery estimate card delivery estimate card delivery estimate card delivery estimate
Can I have my card delivered on a specific day? card delivery estimate card delivery estimate card arrival card arrival card delivery estimate card delivery estimate card delivery estimate card delivery estimate card delivery estimate
Can I put my old card back into the system? I just found it/ card linking card linking card linking card linking card linking card linking card linking activate my card activate my card
Can someone assist me by explaining why my card is not working? card not working card not working card not working card not working card not working card not working card not working card not working card not working
I would appreciate that someone let me know when there is an extra charge for payments. I was checking the app earlier and saying a charge on one of my payments that was additional that no one made me aware of before. card payment fee charged card payment fee charged card payment fee charged card payment fee charged card payment fee charged card payment fee charged card payment fee charged extra charge on statement extra charge on statement
I'm not familiar with a card payment. card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised
I believe my card payment exchange rate is incorrect. card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate card payment wrong exchange rate
I was at an ATM and it swallowed my card. card swallowed card swallowed card swallowed card swallowed card swallowed card swallowed card swallowed card swallowed card swallowed
Hi, I am calling about a recent transaction that has happened on my account. I recently went to the ATM, and tried to make a withdrawal on my account. I just happened to check my transaction slip and noticed a fee for my withdrawal. How can I resolve this, I didn't know fees were charged for this type of action. cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge cash withdrawal charge
I didn't get cash from an ATM, but according to the app a transaction was made when i didn't make it. cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised cash withdrawal not recognised
How do I update my PIN to a new number? change pin change pin change pin change pin change pin change pin change pin change pin change pin
If I feel someone has my card information, can I get a new card? compromised card compromised card compromised card compromised card compromised card compromised card compromised card compromised card compromised card
When I tried to pay for my bus ride, the contactless payment wouldn't work. How can I prevent this in the future? contactless not working contactless not working contactless not working contactless not working contactless not working contactless not working contactless not working contactless not working contactless not working
Where can I find your locations? country support country support atm support country support country support country support country support country support atm support
My latest payment was declined, I was told everything was back to working order. What happened? declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment
The ATM is declining my card. I tried at two different ATMs. Can you tell me if there's anything wrong with my account? declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal declined cash withdrawal
Good morning. I tried to make a purchase with my credit card last night and again this morning. Both times it was declined. Can you investigate? declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment
I am seeing a weird payment showing up that I know I did not make, how can I get it cancelled? card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised card payment not recognised
How can i get multiple disposble cards. disposable card limits disposable card limits get disposable virtual card disposable card limits get disposable virtual card get disposable virtual card get disposable virtual card getting spare card get disposable virtual card
Can I change my information? edit personal details edit personal details edit personal details edit personal details edit personal details edit personal details edit personal details edit personal details edit personal details
I will need to exchange currencies frequently, will I be able to get a discount? exchange charge exchange charge exchange charge exchange charge exchange charge exchange charge exchange charge exchange charge exchange charge
From where are you getting your exchange rates? exchange rate exchange rate exchange rate exchange rate exchange rate exchange rate exchange rate exchange rate exchange rate
I think I want AUD and not GBP, can you help? exchange via app exchange via app fiat currency support fiat currency support fiat currency support exchange rate fiat currency support fiat currency support fiat currency support
Why does my statement have these extra charges? extra charge on statement extra charge on statement extra charge on statement extra charge on statement extra charge on statement extra charge on statement extra charge on statement extra charge on statement extra charge on statement
I am trying to make a transfer and am unsuccessful, can you please tell me why? failed transfer failed transfer failed transfer failed transfer failed transfer failed transfer failed transfer failed transfer failed transfer
Do you accept exchanges to EUR? fiat currency support fiat currency support fiat currency support fiat currency support fiat currency support fiat currency support fiat currency support exchange via app fiat currency support
Where's the best place to get a disposable virtual card? get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card get disposable virtual card
I cannot locate the card PIN. change pin change pin change pin change pin change pin passcode forgotten change pin passcode forgotten change pin
Am I able to get a second card? getting spare card getting spare card getting spare card getting spare card getting spare card getting spare card getting spare card getting spare card getting spare card
what is the virtual card getting virtual card getting virtual card getting virtual card getting virtual card getting virtual card getting virtual card getting virtual card getting virtual card getting virtual card
Somehow I am missing my card. What should I do? lost or stolen card lost or stolen card lost or stolen card lost or stolen card lost or stolen card lost or stolen card lost or stolen card lost or stolen card lost or stolen card
I believe I left my smartphone at the hotel I was staying at. lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone lost or stolen phone
Please tell me how to get a physical card. get physical card order physical card get physical card get physical card get physical card get physical card get physical card order physical card get physical card
I need to reset my passcode. How do I do it? passcode forgotten passcode forgotten passcode forgotten passcode forgotten passcode forgotten passcode forgotten passcode forgotten passcode forgotten passcode forgotten
I bought some things this morning but the payment shows that it is pending pending card payment pending card payment pending card payment pending card payment pending card payment pending card payment pending card payment pending card payment pending card payment
Cash withdrawal still pending? pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal pending cash withdrawal
Is there a reason my top up hasn't gone through top up failed top up failed pending top up top up failed top up failed top up failed top up failed top up failed top up failed
Why hasn't my transfer gone through yet? pending transfer pending transfer pending transfer pending transfer pending transfer pending transfer pending transfer pending transfer pending transfer
Will you reinstate my PIN? pin blocked pin blocked pin blocked pin blocked pin blocked change pin pin blocked pin blocked pin blocked
Do you know if I can use this for my salary? receiving money receiving money receiving money receiving money receiving money receiving money receiving money receiving money receiving money
I want to reverse a purchase. Can I cancel it? request refund request refund request refund request refund request refund request refund request refund request refund reverted card payment
I think my card payment has been stopped declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment declined card payment
can you tell me what cards and currencies you take? supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies supported cards and currencies
Please delete my account, this company is not working for me! terminate account terminate account terminate account terminate account terminate account terminate account terminate account terminate account terminate account
What'll it charge me for a SEPA transfer? top up by bank transfer charge transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged
What are the fees for top ups? top up by card charge top up by card charge top up by card charge top up by card charge top up by card charge top up by card charge top up by card charge top up by card charge top up by card charge
Will you accept a cheque to top up my account? top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque top up by cash or cheque
I'm not sure why my top up request was denied top up failed top up failed top up failed top up failed top up failed top up failed top up failed top up failed top up failed
Tell me if there are any top-up limits? top up limits top up limits top up limits top up limits top up limits top up limits top up limits top up limits top up limits
has my top-up has been cancelled top up reverted top up reverted top up reverted top up reverted top up reverted top up reverted top up reverted top up reverted top up reverted
How can I top up my account with a card? topping up by card topping up by card topping up by card topping up by card topping up by card topping up by card topping up by card topping up by card topping up by card
I think something may have happened that caused a charge to show up twice. transaction charged twice transaction charged twice transaction charged twice transaction charged twice transaction charged twice transaction charged twice transaction charged twice transaction charged twice transaction charged twice
Why am I seeing a transfer fee? transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged transfer fee charged
I would like to transfer some money from my other bank account into this one. transfer into account transfer into account transfer into account transfer into account transfer into account transfer into account transfer into account transfer into account transfer into account
Is there a reason why my transaction is taking so long? pending card payment transfer timing pending transfer pending transfer pending card payment transfer timing pending transfer pending transfer transfer timing
Do transfers from Europe take longer? transfer timing transfer timing transfer timing transfer timing transfer timing transfer timing transfer timing transfer timing transfer timing
How do I show this stupid system that this is really my identity? verify my identity unable to verify identity verify my identity verify my identity verify my identity unable to verify identity verify my identity verify my identity unable to verify identity
Let me know the steps for the identity checks verify my identity verify my identity verify my identity verify my identity verify my identity verify my identity verify my identity verify my identity verify my identity
I have to verify the source of my funds verify source of funds verify source of funds verify source of funds verify source of funds verify source of funds verify source of funds verify source of funds verify source of funds verify source of funds
Why does the top-up need verification? verify top up verify top up verify top up verify top up verify top up verify top up verify top up verify top up verify top up
virtual card is not working for me virtual card not working virtual card not working virtual card not working virtual card not working virtual card not working virtual card not working virtual card not working virtual card not working virtual card not working
Am I allowed to use any card to make a payment? supported cards and currencies supported cards and currencies card acceptance card acceptance supported cards and currencies supported cards and currencies supported cards and currencies card acceptance supported cards and currencies
Why do you require so many identity details? why verify identity why verify identity why verify identity why verify identity why verify identity why verify identity why verify identity why verify identity why verify identity
The amount of cash I received was incorrect wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received wrong amount of cash received
In receiving cash, the wrong exchange rate was used for my transaction. wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal wrong exchange rate for cash withdrawal
Calibration and ranking metrics

Brier and ECE are lower-is-better probability-quality measures. AUROC asks only whether confidence ranks correct cases above incorrect ones; higher is better.

ModelAccuracyMean confidenceGapBrier ↓ECE ↓AUROC ↑
GPT-6 Astra 88.3% 94.0% +5.7 pp 0.088 0.057 0.840
Gemini 3.8 Flash 87.0% 94.0% +7.0 pp 0.108 0.089 0.766
GPT-5.6 Luna 83.1% 96.4% +13.3 pp 0.140 0.136 0.754
GPT-5.6 Sol 83.1% 93.8% +10.7 pp 0.139 0.127 0.733
Claude Fable 5.1 83.1% 83.6% +0.4 pp 0.120 0.076 0.786
DeepSeek V4.1 Flash 79.2% 84.5% +5.2 pp 0.158 0.095 0.666
Claude Opus 5 79.2% 79.9% +0.7 pp 0.124 0.045 0.843
Claude Sonnet 5 77.9% 81.6% +3.6 pp 0.152 0.131 0.748
Jev 75.3% 87.4% +12.1 pp 0.171 0.138 0.811
Methodology and reproducibility

One deterministic frozen case per BANKING77 class, 77 total. Chat models return one label plus a 0–100 probability of being exactly correct. Jev uses OpenRouter's Decisions endpoint and returns a full choice distribution; its top-choice probability is the comparable confidence score. Reasoning was disabled for Luna, Sol and DeepSeek; low reasoning was requested for Astra, Opus, Fable, Gemini and Sonnet.

The runner is resumable: an existing (model, case) result is skipped. Re-running uv run run.py --dry-run should report zero pending calls.

Files

Frozen 77 cases · Raw results · Computed summary · Model configuration · Prompt · Runner · Analysis