Predictika · Retail banking

An AI sales agent's current account offer, checked before it goes out

An AI sales agent prepares an offer for a personal current account: a service package or a stand-alone card, the debit type, a second card, insurance covers, a safe deposit box, the holder's age, and the annual cost it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the prices and conditions in the published 2026 tariff brochure of one regional bank and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Personal current account offers from Crédit Agricole Centre Ouest: Essentiel, Premium, Prestige and Eko packages, debit cards, a second card, covers and safe deposit boxes. See everything this validator covers

This validator models the annual cost of a personal current account at Crédit Agricole Centre Ouest, one of the regional banks of the Crédit Agricole group, based on the prices in its public 2026 tariff brochure (“Prix de nos services”, in force from January 1, 2026), not just the scenarios shown below. Each regional bank publishes its own tariff, so other regional banks are not covered.

  • Packages — Essentiel (11.30 euros a month), Premium (17.00) and Prestige (34.65), each with the card it includes (Mastercard or Visa Classic, Gold Mastercard or Visa Premier, World Elite Mastercard or Visa Infinite), and the Eko package (2.00, with the Eko Mastercard, no overdraft and no second card). Holders aged 18 to 25 pay 3.00 and 5.00 a month for Essentiel and Premium, and 26 to 30 pay 6.00 and 9.00.
  • Cards — the stand-alone annual price of L'Autre Carte, Mastercard, Eko Mastercard, Mastercard or Visa Classic, Gold, Gold biometric, World Elite and World Elite biometric cards with the debit types each is sold with, the 50 percent reduction for ages 18 to 25 and 30 percent for ages 26 to 30 (not on Eko), and the Mastercard Mozaic Black card for ages 10 to 25. A second card gets 50 percent off the cheaper card.
  • Options and fees — Securicompte Plus and Premium, Securiweb Standard and Premium (and whether the package already includes them), safe deposit boxes of 10, 20, 40 and 60 litres, and the account-keeping fee (free with a package, with an e-statement or under 26; otherwise it is set by the bank between 0 and 24 euros and is counted at the 24 euro ceiling).

Any personal current account offer that touches these cards, packages and options is in scope — not only the scenarios pictured here. Cases the brochure does not price (a package or a non-Mozaic card for a holder under 18, a second card with a package or with a youth reduction, or an insurance upgrade above what a package includes) go to a person. Not covered: other regional banks, business accounts, credit cards linked to a revolving credit, loans, savings, foreign transfers, incident and overdraft fees, or promotional rates.

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

8 scenarios in 4 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

Illustrative agent statement. The validator receives the structured request below.

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
Cards that are sold with one debit type only, and package cards that must match the packageOnly with care
A compatibility table of card, debit type and package. It works, but every package or card change means editing the table, and a mismatch is easy to miss.		Package, card and debit type arrive in one request and are checked together on every call.
Age bands that change card reductions, package prices and the account feeOnly with care
The 50 and 30 percent card reductions, three package price bands and the free account-keeping fee all hang off the holder's age, in different places.		The age is one field; every price and exception that depends on it is computed on every call.
Covers that a package already includesOnly with workarounds
Whether a cover is already included depends on the package and the level chosen, so a rule needs to compare levels across two products.		Included and requested levels are compared on every call, and an upgrade the brochure does not price goes to a person.
A second card that gets half off the cheaper card, with exceptionsOnly with workarounds
The discount depends on which of the two cards is cheaper, which cards are excluded, and whether a package or a youth reduction is also in play.		The cheaper card, the exclusions and the overlap cases are all in one model.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the offer is saved or a step is completed, so a person 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.

    
1This card is sold with immediate debit only; deferred debit was chosen.
2This card is sold with deferred debit only; immediate debit was chosen.
3The Mastercard Mozaic Black card is for ages 10 to 25; the account holder is 9.
4The Mastercard Mozaic Black card is for ages 10 to 25; the account holder is 26.
5For under-18s the brochure lists only the Mozaic cards; the price of this card for a minor should be confirmed.
6The package includes a different card than the one chosen.
7The Eko package has no overdraft authorization; taking one ends the package.
8Taking a second card ends the Eko package.
9The brochure publishes no package price for account holders under 18; a person should confirm it.
10The second-card reduction (50 percent off the cheaper card) is not published for this combination of package, age or main card; a person should confirm it.
11The package already includes this Securicompte cover or a higher one.
12A higher Securicompte or Securiweb level than the package includes has no published upgrade price.
13The package already includes this Securiweb cover or a higher one.
14The quote states an annual cost of €48.50; the published prices give €49.50.
15The quote states an annual cost of €204.01; the published prices give €204.00.
16The quote states an annual cost of €49.50; the published prices give €73.50.

  

  

    
Scenarios and results
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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.

    
1. Premium package at 28: Premium package that adds covers it already includes, with a total that counts them

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 28, with the Premium package, the Gold Mastercard or Visa Premier card with immediate debit, plus Securicompte Plus, Securiweb Standard and a 20-litre safe deposit box. The customer has an e-statement. The quote states an annual cost of €281.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Securicompte already included. The package already includes this Securicompte cover or a higher one.
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  • Securiweb already included. The package already includes this Securiweb cover or a higher one.
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  • Stated annual cost does not match. The quote states an annual cost of €281.00; the published prices give €242.00.
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2. Premium package at 28: The agent resubmits after fixing the errors

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 28, with the Premium package, the Gold Mastercard or Visa Premier card with immediate debit, plus a 20-litre safe deposit box. The customer has an e-statement. The quote states an annual cost of €242.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Cost summary. Estimated annual cost of €242.00 at the published Centre Ouest prices; no account-keeping fee applies.
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3. Prestige package: Prestige package with immediate debit, a cover it already includes and a second card

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 47, with the Prestige package, the World Elite Mastercard or Visa Infinite card with immediate debit, and a second Gold Mastercard or Visa Premier card, plus Securicompte Premium and a 60-litre safe deposit box. The customer has an e-statement. The quote states an annual cost of €704.80. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Card sold with deferred debit only. This card is sold with deferred debit only; immediate debit was chosen.
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  • Securicompte already included. The package already includes this Securicompte cover or a higher one.
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  • Second-card reduction not published here. The second-card reduction (50 percent off the cheaper card) is not published for this combination of package, age or main card; a person should confirm it.
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4. Prestige package: The agent resubmits after fixing the errors

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 47, with the Prestige package, the World Elite Mastercard or Visa Infinite card with deferred debit, plus a 60-litre safe deposit box. The customer has an e-statement. The quote states an annual cost of €638.80. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Cost summary. Estimated annual cost of €638.80 at the published Centre Ouest prices; no account-keeping fee applies.
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5. Eko package: Eko package with the Gold card, an overdraft and a second card

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 23, with the Eko package, the Gold Mastercard or Visa Premier card with immediate debit, and a second Mastercard or Visa Classic card. The customer has an e-statement and wants an overdraft authorization. The quote states an annual cost of €48.75. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Card is not the package card. The package includes a different card than the one chosen.
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  • Eko package with an overdraft. The Eko package has no overdraft authorization; taking one ends the package.
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  • Eko package with a second card. Taking a second card ends the Eko package.
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6. Eko package: The agent resubmits after fixing the errors

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 23, with the Eko package, the Eko Mastercard card with immediate debit. The customer has an e-statement. The quote states an annual cost of €24.00. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Cost summary. Estimated annual cost of €24.00 at the published Centre Ouest prices; no account-keeping fee applies.
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7. Age limit on a card: Mastercard Mozaic Black for a 27-year-old

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 27, the Mastercard Mozaic Black card with immediate debit. The customer has no an e-statement. The quote states an annual cost of €42.00. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Mozaic card outside ages 10 to 25. The Mastercard Mozaic Black card is for ages 10 to 25; the account holder is 27.
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8. Age limit on a card: The agent resubmits after fixing the errors

    
The agent's request. Please quote the annual cost of a personal current account for a customer aged 27, the Mastercard or Visa Classic card with immediate debit. The customer has no an e-statement. The quote states an annual cost of €58.65. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Cost summary. Estimated annual cost of €58.65 at the published Centre Ouest prices; the account-keeping fee, which the bank sets between €0 and €24, is counted at its €24.00 ceiling.
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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 an offer for a personal current account: a service package or a stand-alone card, the debit type, a second card, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the prices and conditions in the published 2026 tariff brochure of one regional bank and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote the annual cost of a personal current account for a customer aged 28, with the Premium package, the Gold Mastercard or Visa Premier card with immediate debit. The customer has an e-statement. The rest of the request is on screen. The quote states an annual cost of €281.00.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The package already includes this Securicompte cover or a higher one. The package already includes this Securiweb cover or a higher one. The quote states an annual cost of €281.00; the published prices give €242.00.
    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.
    7. 
      
  7. What this shows: for cards that are sold with one debit type only, and package cards that must match the package, a rules-based CPQ is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the securicompte to none, the securiweb to none and the stated annual cost to €242.00.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
    12. 
      
  12. The validator also returns the line-item quote, on screen.
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  13. All three earlier findings are cleared, and the validator's total, €242.00, matches the quote.
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  14. Three problems caught in one call, fixed in one pass, and a clean €242.00 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer.
    15.