Predictika · Business banking quotes

An AI sales agent's business checking quote, checked before it goes out

An AI sales agent prepares a business checking proposal for a small business: the account, the monthly total it will tell the customer to expect, and what it says about extra fees. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and returns a verdict, every reason and the figures it computed.

Scope: Bank of America Business Advantage Fundamentals Banking and Business Advantage Relationship Banking proposals: monthly fee and how it is avoided, excess item fees, cash deposit processing fees and the stated monthly total. See everything this validator covers

This validator models proposals for two Bank of America business checking accounts as published in the Business Advantage clarity statements, not just the scenarios shown below.

  • Monthly fee — $16.00 for Fundamentals and $29.95 for Relationship Banking, and whether it is avoided. Fundamentals: a combined average monthly balance of $5,000 or more in eligible linked business deposit accounts, or $500 or more in qualifying new net purchases on the linked business debit card (linked employee cards count), or membership of Preferred Rewards for Business. Relationship Banking: a combined average monthly balance of $15,000 or more, or membership of Preferred Rewards for Business.
  • Excess item fees — the first 20 items in a statement cycle are free on Fundamentals and the first 500 on Relationship Banking; each item beyond that costs $0.45. Debit card transactions, electronic debits and certain deposit methods are not counted, so the validator takes the number of countable items.
  • Cash deposit processing — the first $5,000 of cash deposited in a statement cycle is free on Fundamentals and the first $20,000 on Relationship Banking; beyond that the fee is $0.30 per $100. The validator takes cash deposits in units of $100.
  • Stated total and promises — the monthly total in the proposal must equal the monthly fee plus excess item fees plus cash deposit fees, and a proposal that promises no extra fees while expecting more usage than the account includes is blocked.

Any proposal for these two accounts that touches these rules is in scope — not only the scenarios pictured here. Not covered: other Bank of America business accounts, wire transfers, ATM, overdraft, stop payments and other fees, interest, and promotions (including any introductory period without a monthly fee). Assumptions: cash deposits are entered in whole units of $100; the statement cycle is the monthly period shown on the clarity statements; which items count toward the allowance follows the clarity statements and is not itemized here.

The AI sales agentBuilds the business checking proposal from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

7 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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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 caughtTypical rules-based CPQPredictika
A fee that is avoided by any one of several conditionsOnly with care
A rule per waiver path and per account; it works, but the conditions differ between the two accounts (debit card spend counts on one and not the other) and must be kept in step with the clarity statements.		Every path is evaluated together and the monthly fee the proposal should show is computed from them.
A total built from a fixed fee plus usage-based feesOnly with care
A price rule for each fee, with the item and cash allowances looked up per account. The rep's stated total then has to be compared with the computed one separately.		The monthly fee, excess item fees and cash deposit fees are computed and the stated total is compared in the same pass.
Allowances that differ by account and a promise made in the proposal textOnly with workarounds
A promise of no extra fees lives in free text; a rule can only catch it if it has been captured as a field first.		The promise is one of the inputs and is checked against the account's included items and cash deposits.
Every problem returned in one answerOnly 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.

  

  

    
What this validator catches: findings from its test cases
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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.

    
1The quote states a monthly total of $16; the published fees give $46.
2The quote promises no extra fees but the customer expects 21 countable items in a statement cycle; the account includes 20.
3The quote promises no extra fees but the customer expects $20,100 of cash deposits in a statement cycle; the account includes $20,000.
4The quote states a monthly total of $0; the published fees give $122.50.
5The quote promises no extra fees but the customer expects 90 countable items in a statement cycle; the account includes 20.
6The quote promises no extra fees but the customer expects $30,000 of cash deposits in a statement cycle; the account includes $5,000.

  

  

    
Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a business checking proposal for a small business: the account, the monthly total it will tell the customer to expect, what it says about extra fees. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the published account fees and returns a verdict, every reason and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please set up Bank of America Business Advantage Fundamentals Banking for a business with $3,000 in combined average monthly balances, $700 in qualifying debit card purchases. It expects 60 countable items and $8,000 in cash deposits each statement cycle. The rest of the request is on screen. The quote states a monthly total of $0.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The quote states a monthly total of $0; the published fees give $27. The quote promises no extra fees but the customer expects 60 countable items in a statement cycle; the account includes 20. The quote promises no extra fees but the customer expects $8,000 of cash deposits in a statement cycle; the account includes $5,000.
    6. 
      
  6. The validator returned three blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
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  7. What this shows: for a total built from a fixed fee plus usage-based fees, a rules-based CPQ is error-prone for this.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the promise of no extra fees to no.
    10. 
      
  10. It calls the validator again.
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  11. Still blocked, with one finding, all in one answer. The quote states a monthly total of $0; the published fees give $27.
    12. 
      
  12. Two findings cleared; still blocked on stated monthly total does not match.
    13. 
      
  13. The agent resubmits once more.
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  14. The revised request. It changes the stated monthly total to $27.
    15. 
      
  15. It calls the validator once more.
    16. 
      
  16. This time the validator clears it.
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  17. The validator also returns the line-item quote. It starts with Business Advantage Fundamentals Banking monthly fee (avoided) and Items over 20 in the statement cycle; the other line is on screen.
    18. 
      
  18. The earlier finding is cleared, and the validator's total, $27, matches the quote.
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  19. Three problems caught in one call, fixed in two passes, and a clean $27 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    20.