Predictika · Business banking

An AI sales agent's business account recommendation, checked before it goes out

An AI sales agent prepares a business account recommendation for a UK company or charity: the account type, turnover, borrowing needed, secondary accounts and expected monthly usage, with a stated monthly charge. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the account structure and returns a verdict, every reason and the figures it computed. The account names are HSBC UK's; the eligibility rules and charges in this demonstration are modeled, as described in the scope.

Scope: HSBC UK business accounts: Small Business Banking, Business Banking, Charitable, International, Currency Client and Corporate accounts, with eligibility and monthly charges. Rules and charges are modeled, not HSBC's. See everything this validator covers

This validator models the choice of one HSBC UK business account and its monthly charges, not just the scenarios shown below. Important: the rules and charges here are modeled by Predictika from comparable UK business accounts and are illustrative; they are not HSBC's official rules, eligibility limits or charges. Only the account names are taken from HSBC UK's public pages.

  • Account choice — Small Business Banking Account, Business Banking Account, Charitable Bank Account, International Business Accounts, Currency Client Account and Corporate Bank Account, each with modeled eligibility (turnover, borrowing, type of organisation, overseas trade, client money).
  • Services — international payments, borrowing level, Relationship Manager access and secondary accounts, checked against the account chosen.
  • Monthly charges — an illustrative monthly figure built from the account fee (including a free first year on the Business Banking Account), secondary accounts, cheques, CHAPS and international payments and cash deposits, which the stated total must equal.
  • Approvals — Corporate accounts below the usual turnover, large cash deposits and many secondary accounts go to a person.

Any HSBC UK business account recommendation that touches these rules is in scope — not only the scenarios pictured here. Not covered: personal accounts, loans and cards, other countries, the Business Price List itself, tax and regulatory checks, and HSBC's real eligibility rules and charges, which this page does not claim to reproduce.

The AI sales agentBuilds the recommendation 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

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
Eligibility that depends on turnover, borrowing and account type togetherOnly with care
Each account needs its own eligibility rules, and several depend on the same inputs; they work but must be kept in step as limits change.		Account, turnover, borrowing and services are compared in one pass.
Services only some accounts offer (international payments, Relationship Manager)Only with workarounds
The service is a separate line from the account, so a cross-line rule is needed, and its result often depends on a threshold in a third field.		Every service and the account are in one request and checked with the rest.
A free first year, then a monthly fee, plus usage chargesOnly with care
The fee depends on how long the account has been open, and the usage charges are added to it, so the total is a rule on several inputs.		The total is computed on every call and compared with the stated figure.
Charges the quote statesOnly with care
The stated total is a free-entry figure; a rule has to recompute it from the usage and compare it.		The stated charge is a field in the request, compared with the computed one on every call.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote 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.

    
1The Small Business Banking Account is for turnover up to 6,500 thousand pounds; the customer has 6,501 thousand.
2The Small Business Banking Account offers borrowing up to 100 thousand pounds; the customer asks for 101 thousand.
3The Small Business Banking Account does not send international payments; the customer sends 10 a month.
4A Relationship Manager is not available with this account at this turnover.
5A customer with turnover of 15,000 thousand pounds belongs on the Corporate Bank Account, not the Business Banking Account.
6The Charitable Bank Account is for charities and not-for-profit organisations; the customer is not one.
7International Business Accounts are for businesses trading overseas; the customer does not.
8The Currency Client Account is for holding client money in euros or US dollars; the customer holds none.
9The Corporate Bank Account is generally for turnover above 15,000 thousand pounds; the customer has 12,000 thousand, so eligibility must be confirmed with HSBC.
10The customer deposits 51 thousand pounds in cash a month; a person should review cash handling.
11The quote has 4 secondary accounts; more than 3 need a person to confirm.
12The quote states 437 pounds a month; the quoted account and usage add up to 430 pounds a month.

  

  

    
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. Account that does not fit the customer: Small Business Banking Account for a 9 million pound turnover company that wants borrowing, international payments and a Relationship Manager

    
The agent's request. Please recommend the Small Business Banking Account for a limited company with turnover of 9,000 thousand pounds that needs borrowing of 250 thousand pounds and a Relationship Manager. It has had the account for 14 months, expects 0 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 12 international payments and 8 thousand pounds of cash deposits. The quote states 444 pounds a month in charges. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Turnover over the Small Business limit. The Small Business Banking Account is for turnover up to 6,500 thousand pounds; the customer has 9,000 thousand.
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  • Borrowing over 100 thousand. The Small Business Banking Account offers borrowing up to 100 thousand pounds; the customer asks for 250 thousand.
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  • International payments on Small Business. The Small Business Banking Account does not send international payments; the customer sends 12 a month.
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  • Relationship Manager not available. A Relationship Manager is not available with this account at this turnover.
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2. Account that does not fit the customer: The agent resubmits after fixing the errors

    
The agent's request. Please recommend the Business Banking Account for a limited company with turnover of 9,000 thousand pounds that needs borrowing of 250 thousand pounds and a Relationship Manager. It has had the account for 14 months, expects 0 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 12 international payments and 8 thousand pounds of cash deposits. The quote states 454 pounds a month in charges. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Modeled charges of 454 pounds a month: 10 for the account, 0 for secondary accounts and 444 for usage.
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3. Charitable account and the stated total: Charitable Bank Account for a limited company, with a wrong stated total

    
The agent's request. Please recommend the Charitable Bank Account for a limited company with turnover of 900 thousand pounds that needs borrowing of 0 thousand pounds. It has had the account for 0 months, expects 0 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 0 international payments and 8 thousand pounds of cash deposits. The quote states 3 pounds a month in charges. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Charitable account is for charities. The Charitable Bank Account is for charities and not-for-profit organisations; the customer is not one.
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  • Stated monthly charges do not match. The quote states 3 pounds a month; the quoted account and usage add up to 245 pounds a month.
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4. Charitable account and the stated total: The agent resubmits after fixing the errors

    
The agent's request. Please recommend the Business Banking Account for a limited company with turnover of 900 thousand pounds that needs borrowing of 0 thousand pounds. It has had the account for 0 months, expects 0 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 0 international payments and 8 thousand pounds of cash deposits. The quote states 240 pounds a month in charges. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Modeled charges of 240 pounds a month: 0 for the account, 0 for secondary accounts and 240 for usage.
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5. Corporate account at mid-size turnover: Corporate Bank Account for 12 million pounds turnover with heavy cash and many secondary accounts

    
The agent's request. Please recommend the Corporate Bank Account for a limited company with turnover of 12,000 thousand pounds that needs borrowing of 250 thousand pounds. It has had the account for 0 months, expects 5 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 10 international payments and 60 thousand pounds of cash deposits. The quote states 100 pounds a month in charges. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Stated monthly charges do not match. The quote states 100 pounds a month; the quoted account and usage add up to 1,280 pounds a month.
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  • Corporate eligibility to confirm. The Corporate Bank Account is generally for turnover above 15,000 thousand pounds; the customer has 12,000 thousand, so eligibility must be confirmed with HSBC.
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  • Large cash deposits. The customer deposits 60 thousand pounds in cash a month; a person should review cash handling.
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  • Many secondary accounts. The quote has 5 secondary accounts; more than 3 need a person to confirm.
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6. Corporate account at mid-size turnover: The agent resubmits after fixing the errors

    
The agent's request. Please recommend the Corporate Bank Account for a limited company with turnover of 12,000 thousand pounds that needs borrowing of 250 thousand pounds. It has had the account for 0 months, expects 5 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 10 international payments and 60 thousand pounds of cash deposits. The quote states 1,280 pounds a month in charges. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Corporate eligibility to confirm. The Corporate Bank Account is generally for turnover above 15,000 thousand pounds; the customer has 12,000 thousand, so eligibility must be confirmed with HSBC.
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  • Large cash deposits. The customer deposits 60 thousand pounds in cash a month; a person should review cash handling.
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  • Many secondary accounts. The quote has 5 secondary accounts; more than 3 need a person to confirm.
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  • Charges summary. Modeled charges of 1,280 pounds a month: 40 for the account, 50 for secondary accounts and 1,190 for usage.
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7. Corporate account at mid-size turnover: The agent resubmits after fixing the errors

    
The agent's request. Please recommend the Business Banking Account for a limited company with turnover of 12,000 thousand pounds that needs borrowing of 250 thousand pounds. It has had the account for 0 months, expects 2 secondary accounts, and each month about 20 cheques, 4 CHAPS payments, 10 international payments and 20 thousand pounds of cash deposits. The quote states 610 pounds a month in charges. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Charges summary. Modeled charges of 610 pounds a month: 0 for the account, 20 for secondary accounts and 590 for usage.
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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 a business account recommendation for a UK company or charity: the account type, turnover, borrowing needed, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the account structure and returns a verdict, every reason and the figures it computed. The account names are HSBC UK's; the eligibility rules and charges in this demonstration are modeled, as described in the scope.
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  2. I will start with the first request by the agent.
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  3. The agent says. Please recommend the Small Business Banking Account for a limited company with turnover of 9,000 thousand pounds that needs borrowing of 250 thousand pounds and a Relationship Manager. It has had the account for 14 months, expects 0 secondary accounts, and each month about 20 cheques, 4 CHAPS payments. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with four findings, all in one answer. The Small Business Banking Account is for turnover up to 6,500 thousand pounds; the customer has 9,000 thousand. The Small Business Banking Account offers borrowing up to 100 thousand pounds; the customer asks for 250 thousand. The Small Business Banking Account does not send international payments; the customer sends 12 a month. The other one is on screen.
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  6. The validator returned four 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.
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  7. What this shows: for services only some accounts offer (international payments, Relationship Manager), a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the account type to Business Banking Account and the stated monthly charges as to 454.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All four earlier findings are cleared, and the validator's total, 454 pounds, matches the quote.
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  13. Four problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
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