About & methodology

How this tool works.

Six scoring dimensions

Every Preflight is scored on six dimensions. Every score is the sum of named rules that fired, with a plain-English explanation for each.

  • Bank Workflow Fit — is the problem real and bank-owned?
  • Diligence Readiness — can the company survive a formal vendor-risk review?
  • Integration Clarity — does the technical path make sense for a controlled first pilot?
  • AI / Model Risk — is autonomy classified and governed? (Excluded from composite when skipped.)
  • UK Legibility — can the UK path be defended without overclaiming? (Excluded when skipped.)
  • Pilot Readiness — can a controlled test be scoped and approved?

The three-layer report

Every generated report has a scored diagnostic, a Week 0–12 programme plan, and a 30 / 60 / 90-day follow-up plan. The programme plan is auto-tuned by the two weakest dimensions — poor diligence adds action items to Week 4; weak AI governance adds to Week 6; weak UK adds to Week 5, and so on.

What we don't do

  • · No AI. Scoring is 100% deterministic and rule-based.
  • · No backend. Nothing is sent to a server. The tool runs entirely in your browser.
  • · No account. Nothing to sign up for. No email required.
  • · No stored submissions. Your draft lives in your browser's localStorage until you clear it.
  • · No calendar reminders on our servers. The .ics file is generated in your browser — bring your own calendar.

Source posture

The rule table and section templates are shaped by the Live Oak Labs operating framework — use-case memo, Bank Diligence Pack, UK Beachhead Pack, Pilot Design Document, Market Validation Log, Buyer-Ready Presentation, Secure Data Room, and Post-Lab Commercial Plan. This site is not operated by Live Oak, Live Oak Labs, or any regulator.

Unofficial diagnostic

Bankability Preflight is an unofficial diagnostic operated by Bankabil. It is not affiliated with, endorsed by, or approved by Live Oak Bank, Live Oak Labs, Lloyd's Lab, the FCA, the PRA, or any regulator. It is not legal, regulatory, investment, or banking advice.

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