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Controlled Pilot Structure for Bank Evaluation

A fixed-scope pilot designed to evaluate authority enforcement, policy version integrity, exception governance, decision traceability, and audit reconstruction in a controlled environment.

Public SummaryUpdated 2026-04-14
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CreditAxis does not make credit decisions. CreditAxis enforces governance, traceability, and audit defensibility. All intelligence-assisted outputs remain human-reviewed and institution-controlled.
Pilot participation is for evaluation only. Production deployment, integration scope, service levels, and long-term commercial terms are handled under a separate written agreement. Pilot participation creates no automatic production commitment.

This pilot is designed to evaluate whether your institution can move from fragmented, manually reconstructed decisions to a governed, audit-ready decision record.

Typical term
30–60 days
Pilot fee
$100,000–$150,000
Implementation fee
$10,000–$25,000
Scope
Controlled before production

Evaluation structure

01
Kickoff and setup
  • —Environment configuration and policy mapping
  • —Authority framework loading and user setup
  • —Kickoff review with institution sponsor
02
Midpoint review
  • —Progress artifacts and workflow assessment
  • —Issue log and institution feedback session
  • —Written midpoint memo reviewed by both parties
03
Closeout
  • —Final evaluation against agreed success metrics
  • —Formal closeout summary and go / no-go recommendation
  • —Clear next-step options: proceed, extend, or offboard

What the institution receives

  • —Live evaluation of governance workflow in a controlled environment
  • —Visibility into decision traceability and defensibility across a real credit process
  • —Structured view of approval integrity and exception control
  • —Closeout materials usable for executive review

Pilot proof artifacts

  • —Point-in-time export bundle per evaluated deal
  • —Policy evaluation output with rule-level results
  • —Approval authority record and exception log
  • —Versioned credit memo and audit event trail
  • —Document and evidence registry snapshot
  • —Board-ready pilot report template

Pilot success metrics

The pilot framework reflects how credit teams already operate—decision workflows, delegated authority, exception handling, and audit reconstruction—formalized into a governed system.

Metrics are anchored against current-state manual, spreadsheet, and email-based workflow baselines. Results are determined jointly at closeout.

MetricTarget
Policy-version traceability100% of pilot decisions tied to a defined policy version — vs. undocumented or manually tracked policy application across fragmented files
Authority enforcement100% of unauthorized approval scenarios blocked in agreed test set — vs. advisory-only approval limits without structural enforcement
Exception captureMeasurable improvement in documented exception visibility vs. inbox- and spreadsheet-driven exception tracking with no governed closure
Audit reconstruction time60–80% faster audit reconstruction vs. manual file assembly across email, PDFs, and spreadsheets
Examiner-readiness file reconstructionSampled files reconstructed with complete decision chain vs. fragmented manual retrieval across disconnected systems
AI output review compliance100% of AI-assisted outputs reviewed by a designated human user before institutional use — no autonomous finalization
User adoptionMajority of designated pilot users complete governed workflow — measured against pilot participation baseline
Executive closeoutFormal closeout with findings, gaps, and go or no-go recommendation — structured rather than informal post-pilot review

Commercial structure

The pilot is structured as a controlled evaluation engagement with defined scope, responsibilities, success metrics, acceptance criteria, and offboarding commitments. Production conversion is not automatic and requires separate approval, production diligence completion, and a negotiated written agreement.

Pilot closeout decision

Proceed to production diligence
Requires separate production agreement, security review, and implementation plan
Extend for limited additional validation
Defined extension scope under amended pilot agreement
Conclude pilot and offboard
Structured offboarding with deletion confirmation

Pilot vs. production

Pilot
  • —Fixed scope, controlled evaluation
  • —Agreed success metrics and closeout
  • —No production SLA
  • —No broad integration commitment
  • —Data restrictions and deletion at close
Production
  • —Separate commercial agreement required
  • —Production security review and diligence
  • —Defined SLA and support terms
  • —Integration and implementation plan
  • —Ongoing data handling and compliance terms
Request pilot discussionBring your last deal →View pilot approval memo →
Public summary for due diligence convenience. Full contractual, security, and technical materials are furnished under NDA where applicable.