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Analysis

Playbook Builder.

Turns a Fit Analysis and ROI Projection into an executable partnership plan — the milestones, the owners on each side, the commercial structure, the compliance checkpoints, and the success criteria — scoped to 90 days so it actually ships. Designed by a team that has shipped banking partnerships; built to survive contact with a partnership committee that has seen every mistake.

Why 90 days?
Most bank-FinTech partnerships die in the 6-month "scoping" phase — the plan is too ambitious, the owners are under-specified, and by the time someone asks "where are we?" three quarters have passed. A 90-day horizon forces concreteness: every milestone has to be achievable in 12 weeks or it is not in the playbook. If something genuinely takes longer, it becomes a sequence of 90-day playbooks, not one ambiguous 365-day plan.

Sections in every playbook

1Executive summary

The one paragraph the partnership committee reads. Describes the partnership, the 90-day objective, the commercial shape, and the primary risk — in that order. Written to be copyable into a committee memo without editing.

2Objectives

3–5 measurable outcomes — not "establish the partnership," but "launch pilot with two named co-brand products by day 60 and validate 100+ end-customer transactions by day 90." Each objective has a numeric success threshold and a specific person responsible.

3Phased timeline

Six named phases: Discovery (days 1–14), Pilot design (days 15–30), Technical build (days 20–55 in parallel with design after day 20), Compliance review (days 40–65), Launch (day 65–70), Retrospective (day 85–90). Exact dates, not weeks. Dependencies between phases are explicit.

4Owner matrix

Who on each side is responsible for what. Names specific roles (Head of Partnerships, VP Engineering, Deputy Counsel, Head of Compliance) and, for each, a primary and backup. If the playbook target has fewer than 50 people, Owner Matrix collapses into a single point-of-contact with shared responsibility noted.

5Commercial structure

Deal type (revenue share, flat fee, equity, referral), proposed pricing or split, contract term (typically 12–24 months with renewal option), volume triggers for re-pricing, termination clauses. Seeded from CORTEX Benchmarks for comparable deals plus any historical deals you've signed.

6Compliance checkpoints

KYB refresh requirements, legal review gates, counsel sign-off checkpoints, regulator notification requirements (if applicable to the partnership type), consent flow if end-customers are affected, data processing agreement milestone. Each checkpoint has a date and an owner.

7Success criteria

Numeric thresholds that determine whether the pilot is a success and the partnership proceeds to full commercial launch. Broken down by dimension (technical, commercial, compliance, user experience). At day 85 the partnership team holds the retrospective against these criteria — no ambiguity about what counts as "yes."

8Risks and mitigations

Inherited directly from the Fit Analysis concerns section, plus any additional risks the model surfaces from the combination of commercial structure and target organization profile. Each risk has a specific mitigation and an owner.

Partnership templates

Playbook Builder ships with six pre-built templates for the most common partnership shapes in bank-FinTech work:

BaaS embed
Bank-as-a-service infrastructure provided to a FinTech; typical shape includes regulatory approval gates and co-brand language
API integration
One-way technical integration (e.g., Plaid data → bank UI); focused on endpoint onboarding and SLA
Co-brand card
Joint consumer card product; heavy compliance section and marketing approval gate
Data-sharing agreement
Authoritative consumer data flow with explicit consent terms and retention policies
White-label
FinTech's product delivered under bank brand; commercial structure favours volume-linked revenue share
Reseller / Referral
Bank distributes FinTech product to its customer base; focused on sales enablement and compensation

Pick a template or start from scratch — the model adapts each section to the chosen shape. The BaaS template, for example, expands the compliance section to cover interagency guidance (including OCC Bulletin 2023-17 / 2026-04), while the Referral template focuses the commercial section on compensation and attribution tracking.

Export and share

Every playbook is exportable in three formats:

Lifecycle integration

A Playbook is not a static document — it is wired into the rest of TECH:

AI-generated
Playbooks are AI-generated first drafts. The tool is designed to save your team the first day of structured work — research, template-matching, section scaffolding — not replace your judgment on the specifics. Always review, edit, and sign off on the playbook internally before sharing externally with your counterparty. Playbooks retain their AI provenance (model, version, prompt template) in the compliance trail.

API surface

POST /intelligence/playbook/<org_id>/
Generate a new playbook targeting that org (optional: template parameter)
GET /intelligence/playbook/<org_id>/
Retrieve the most recent playbook
Turn analysis into action

Generate a 90-day playbook.

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