Banking77 intent classification: Jev vs nano, frontier and a supervised encoder
AIndependent · Reproduction artifacts availableAssign a customer banking utterance to one of 77 intent labels, zero-shot.
| Model | Accuracy [95% CI] | AUROC | ECE | Latency p50 / p95 | Cost | Error Ranking Auroc |
|---|---|---|---|---|---|---|
Jev | 83.2% [77.9%, 88.0%] | — | — | 440 ms / 710 ms | $0.000071 / call measured, 77 labels in the prompt | 0.853 |
GPT-5.4 nano gpt-5.4-nano-2026-03-17 | 79.3% [73.6%, 85.1%] | — | — | 850 ms / 1,520 ms | not recorded | 0.795 |
GPT-5.6 Terra | 87.5% [82.7%, 91.8%] | — | — | 1,510 ms / 5,570 ms | not recorded | 0.808 |
BGE-small-en-v1.5 + logistic regression supervised, not zero-shot | 93.3% [89.9%, 96.6%] | — | — | 10 ms / 100 ms | not recorded | — |
Protocol and limitations (6)
Deliberately zero-shot for the generative models. JSON-prompted output parsed with a regex rather than schema-constrained decoding. Prompts were not tuned per model. Calls issued serially. The supervised encoder is not zero-shot: it is frozen BAAI/bge-small-en-v1.5 CLS embeddings with a scikit-learn logistic regression head (C=10) fitted on the task's own training data.
- The pre-registered primary result was AMBIGUOUS: the cascade escalation-rate difference was +0.265 with a 95% CI of [-0.530, +0.595], which spans zero. The accuracy ordering below should be read as descriptive, not as a decided result.
- n=208, reduced from the pre-registered 300 because of rate limiting. Intervals are wide and overlap heavily.
- Output was parsed from JSON with a regex rather than schema-constrained decoding, which can disadvantage the generative baselines relative to a production integration.
- Prompts were not tuned per model.
- The supervised encoder is trained on this dataset and is not directly comparable to the zero-shot systems.
- LLM costs were not recorded — the client does not return them — so only Jev has a measured cost here.
Cascade result, which is the pre-registered primary outcome: to reach a 90.5% accuracy target, escalating from Jev to Terra required falling back on 0.220 of requests, versus 0.485 escalating from nano to Terra. This is a measured fallback rate on a real task and is the best available empirical anchor for the fallback-rate input in the cost model — with the caveat that the difference was not statistically significant.