Predictika · Retail banking package quotes
An AI sales agent assembles a retail account package for a customer: the Esprit Libre Référence bundle with a payment card, card options, an overdraft authorization and a home loan. Before the quote goes out, the agent sends it to Predictika, which checks it against a declarative model built on the published tariff, compares the first-year cost the agent states with the one it computes, and returns a verdict, every reason and the figures it computed.
This validator models quotes for the BNP Paribas Esprit Libre Référence package for individual customers in France, using the January 1, 2026 tariff, not just the scenarios shown below.
Any Esprit Libre Référence quote that touches these products and fees is in scope, not only the scenarios pictured here. The fees are those of the BNP Paribas tariff for individual customers effective January 1, 2026 (a copy archived by MoneyVox was read); the tariff can change. Which cards each option applies to beyond what the tariff lists, the approval thresholds and the stated-cost check are modeled by Predictika. Not covered: ATM withdrawal allowances, transfers, other bundles (Esprit Libre Initiative and Découverte are no longer sold), savings products, business accounts and Hello bank!. This validator returns the computed totals and no line-item quote.
7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch
Illustrative agent statement. The validator receives the structured request below.
Proposing agent: AI sales agent (scripted)
Before sending, the agent must call Recorded run
What this means
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.
| What the validator caught | Typical rules-based CPQ | Predictika |
|---|---|---|
| A package fee that depends on both the card and the age band | Only with care A price table keyed on two choices works, but cards with no rate for a band need their own rules and every tariff change touches the table. | The fee comes from the card and the age band together, and a card with no rate for the band is blocked. |
| Options that apply only to some cards, and options no longer sold | Only with workarounds Each option needs its own list of eligible cards and a retirement date; nothing stops a rep adding a discontinued option from a saved template. | Each option is checked against the card on every call, and withdrawn options are refused. |
| A first-year cost that must match what the quote states | Only with care A stated total is a free-entry field; a rule can compare it with a computed one, but someone has to write and maintain that comparison. | The stated cost travels with the quote and is compared with the computed cost on every call. |
| A mortgage commission with a minimum and an online reduction | Only with care The percentage, the minimum and the halving for online applications are three rules that must be combined in the right order. | The commission is computed once from the amount and the online flag. |
| Every problem returned in one answer | Only with workarounds Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next. | All findings come back together, whatever order the choices arrived in. |
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.
| 1 | The Esprit Libre Référence tariff has no 18 to 24 year old rate for the Visa Infinite or the Visa Premier Service Affinité card. |
| 2 | Option Travel is offered for the Origin, Visa Classic, Visa Premier and Visa Infinite cards; the Visa Premier Service Affinité is not on that list. |
| 3 | The Cryptogramme Dynamique service is priced for the Origin, Visa Classic, Visa Premier and Visa Infinite cards; the Visa Premier Service Affinité is not on that list. |
| 4 | The personalized card visual (À chacun son image) is offered for the Origin, Visa Classic and Visa Premier cards only. |
| 5 | The Tercéo payment facility has not been sold since July 1, 2025 and is not renewed with a new card from January 1, 2026. |
| 6 | The biometric option on the Visa Premier card has not been sold since December 8, 2025. |
| 7 | An overdraft authorization of 5,001 euros is above 5,000 euros, where the tariff says to consult the bank for the file fee and rate; an adviser has to confirm both. |
| 8 | An overdraft authorization of 75,000 euros is above 5,000 euros, where the tariff says to consult the bank for the file fee and rate; an adviser has to confirm both. |
| 9 | An overdraft authorization of 80,000 euros is above 75,000 euros, the top of the consumer overdraft range in the tariff notes. |
| 10 | The online application discount is set but the quote has no mortgage. |
| 11 | A mortgage of 500 thousand euros or more needs a credit adviser to confirm the opening commission before the quote goes out. |
| 12 | The quote states a first-year cost of €190.00, but the package, options and one-off fees on it come to €192.00. |
| 13 | The quote states a first-year cost of €1,581.00, but the package, options and one-off fees on it come to €3,066.00. |
| 14 | An overdraft authorization of 8,000 euros is above 5,000 euros, where the tariff says to consult the bank for the file fee and rate; an adviser has to confirm both. |
| 15 | A mortgage of 600 thousand euros or more needs a credit adviser to confirm the opening commission before the quote goes out. |
| 16 | An overdraft authorization of 90,000 euros is above 75,000 euros, the top of the consumer overdraft range in the tariff notes. |
| 17 | The quote states a first-year cost of €1.00, but the package, options and one-off fees on it come to €0.00. |
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 18 to 24 with a Visa Premier Service Affinité card, with Option Travel, the Cryptogramme Dynamique, a personalized card visual and the Tercéo option, and a home loan of 420,000 euros. The quote states a first-year cost of €4,158.00. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 18 to 24 with a Visa Premier card, with Option Travel, the Cryptogramme Dynamique, a personalized card visual and the Tercéo option, and a home loan of 420,000 euros. The quote states a first-year cost of €4,158.00. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 18 to 24 with a Visa Premier card, with Option Travel, the Cryptogramme Dynamique and a personalized card visual, and a home loan of 420,000 euros. The quote states a first-year cost of €4,279.40. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 25 or over with a Visa Premier Service Affinité card, with Option Travel and the Cryptogramme Dynamique. The quote states a first-year cost of €117.96. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 25 or over with a Visa Premier card, with Option Travel and the Cryptogramme Dynamique. The quote states a first-year cost of €325.00. It is ready to send.
Verdict: Allowed.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 25 or over with a Visa Infinite card, and a home loan of 420,000 euros. The quote states a first-year cost of €2,470.80. It is ready to send.
Verdict: Blocked.
The agent's request. Please quote the Esprit Libre Référence package for a customer aged 25 or over with a Visa Infinite card, and a home loan of 420,000 euros applied for online. The quote states a first-year cost of €2,470.80. It is ready to send.
Verdict: Allowed.
The text of the narrated walkthrough, step by step.