“How can I check the exchange rate applied to my transaction?”
- EXPECTED
- card_payment_wrong_exchange_rate
- PREDICTED
- exchange_rate
RUN 001 established that Jev answers 80.3% of Banking77 correctly. That number does not tell you whether a cascade is buildable. This record asks the question that does: when Jev is wrong, does it know? A model that is wrong one time in five and flags those cases is a different engineering proposition from one that is wrong one time in five and certain about it.
Pick a confidence threshold, keep everything at or above it, send the rest to a fallback. Coverage is the share you keep; retained accuracy is how often the kept decisions are right. The question a buyer actually has is: to reach a quality bar, how much traffic must I pay a second model to handle?
| THRESHOLD | COVERAGE | FALLBACK | RETAINED ACC. | WRONG KEPT | ERRORS CAUGHT |
|---|---|---|---|---|---|
| 0.50 | 95.75% | 4.25% | 82.67% | 511 | 15.95% |
| 0.55 | 92.86% | 7.14% | 83.88% | 461 | 24.18% |
| 0.60 | 89.87% | 10.13% | 85.77% | 394 | 35.20% |
| 0.65 | 87.05% | 12.95% | 87.02% | 348 | 42.76% |
| 0.70 | 83.70% | 16.30% | 88.29% | 302 | 50.33% |
| 0.75 | 80.91% | 19.09% | 89.25% | 268 | 55.92% |
| 0.80 | 78.05% | 21.95% | 90.10% | 238 | 60.86% |
| 0.85 | 74.90% | 25.10% | 90.98% | 208 | 65.79% |
| 0.90 | 69.29% | 30.71% | 92.60% | 158 | 74.01% |
| 0.95 | 61.56% | 38.44% | 94.78% | 99 | 83.72% |
| 0.96 | 59.09% | 40.91% | 95.44% | 83 | 86.35% |
HIGHLIGHTED ROW = THE 95% OPERATING POINT. IT IS NOT ON THE 0.05 GRID: A COARSE SWEEP WALKS PAST IT.
The whole trade-off in one line: how much error you still carry at every level of coverage. Flat is good — it means you can keep traffic without taking on risk. The steep right-hand end is where the confidence score stops separating anything.
The review-queue question. If a human could only re-check the least confident slice of a day’s traffic, how much of the day’s error would they find?
A tie group is always taken whole, so the reviewed share overshoots the target slightly — splitting rows that share a confidence value would be arbitrary. Reading the top row: reviewing one decision in ten surfaces 35.2% of the errors, which is 3.5× better than reviewing a random tenth.
29 decisions came back wrong at confidence exactly 1.00.
This is the single most important number on the page, and it is not visible in any accuracy figure. 1,192 decisions (38.7% of the run) sit at maximum confidence. A threshold cannot separate anything inside a tie group, so these 29 errors — 4.8% of every error in the run — are unreachable by confidence routing at any setting. Raise the threshold to 1.00 and you discard 61.3% of your traffic and still ship all 29.
That is the ceiling on this whole approach. Everything above describes a usable filter; this describes the floor of error it cannot get under.
“How can I check the exchange rate applied to my transaction?”
“My card was declined today when eating and I need to know what's wrong.”
“I attempted to use my card while I was intoxicated, and I failed to input my PIN, and the machine kept my card. How soon can I have it back?”
| BIN | N | MEAN CONF. | ACCURACY | GAP |
|---|---|---|---|---|
| 0.0–0.1 | 0 | — | — | — |
| 0.1–0.2 | 1 | 0.1500 | 0.00% | 0.1500 |
| 0.2–0.3 | 10 | 0.2560 | 10.00% | 0.1560 |
| 0.3–0.4 | 24 | 0.3613 | 25.00% | 0.1113 |
| 0.4–0.5 | 96 | 0.4575 | 28.13% | 0.1763 |
| 0.5–0.6 | 181 | 0.5467 | 35.36% | 0.1931 |
| 0.6–0.7 | 190 | 0.6466 | 51.58% | 0.1308 |
| 0.7–0.8 | 174 | 0.7466 | 63.22% | 0.1144 |
| 0.8–0.9 | 270 | 0.8550 | 70.37% | 0.1513 |
| 0.9–1.0 ] | 2,134 | 0.9838 | 92.60% | 0.0578 |
artifacts/banking77/run-jev-1.13.0.jsonlaae26e0a2c20221e1d56bd0def45dbac1b5b423c2dd31b941761dbbad6f3bd841 − confidence, scored against the recorded correct flagEvery figure on this page is a deterministic function of the 3,080-row result log published with RUN 001. The site does not read a precomputed number from anywhere: it recomputes the sweep, the curve, the capture table and the calibration bins at build time, and the test suite asserts those values against the published threshold-sweep.csv artifact to twelve decimal places. If the page and the artifact ever disagree, the build fails.
Source run executed 2026-09-20. Every failure is preserved. The evidence is the record, not the headline number.