Predictika · Retail banking packages

An AI sales agent's banking package quote, checked before it goes out

An AI sales agent prepares a UBS Banking package quote for a private client in Switzerland: a package, the client's age and student status, the asset level, whether documents are delivered electronically, an optional credit card, and the monthly and first-year amounts it states. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the prices and conditions UBS publishes in its services and prices brochure and returns a verdict, every reason and the amounts it computed.

Scope: UBS Banking packages (Easy, Classic, Gold, Platinum and Children) for private clients, with their published monthly prices in CHF. See everything this validator covers

This validator models UBS Banking package quotes for private clients, not just the scenarios shown below.

  • Package and age group — each package is offered only to some age groups (children 6 to 11, ages 12 to 17, ages 18 to 25 and students under 30, and ages 26 or older); other combinations have no listed price.
  • Monthly price — the price depends on the package, the age group and whether total assets are at least CHF 10,000 or the client has a UBS mortgage; the first six months are free for new clients, which sets the first-year amount.
  • Conditions — the listed prices assume electronic delivery of account documents and card statements; the Easy package is not available for joint accounts and has no credit card; clients under 18 can have only prepaid cards; euro and US dollar cards come with Platinum.
  • Stated amounts and approval — the monthly and first-year amounts the quote states are compared with the computed ones, and any credit card request goes to a person because issuance depends on eligibility and acceptance.

Any UBS Banking package quote for these five packages that touches these rules is in scope — not only the scenarios pictured here. Not covered: the individual fees for accounts, cards and payments, savings, investing and pension accounts, foreign-currency and cash-withdrawal charges beyond the package, key4 and other UBS offers, and prices for clients outside Switzerland. Assumptions: the two prices shown for each package (for example CHF 8 or CHF 13) are read as the price with total assets from CHF 10,000 or a UBS mortgage and the price with lower assets, as the brochure footnotes state; the brochure does not say what a client pays without electronic delivery, so that case is blocked rather than priced. The model reflects the brochure valid from 23 September 2026 read in October 2026; later editions may differ.

The AI sales agentBuilds the banking package quote 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
A package that is offered only to some age groupsOnly with care
Each package has its own age groups, so a product-rules CPQ needs an eligibility table kept in step with the price list.		Package and age are in one request; the table is applied on every call.
A monthly price that depends on package, age group, asset level and electronic deliveryOnly with workarounds
Three selections decide the price, so a lookup keyed to all three is needed.		The price is computed from all three together and compared with the amount the quote states.
A first-year amount with six months free for new clientsEasy
A simple multiplier; routine in a product-rules CPQ.		The same rule, checked together with all the others.
A card currency that depends on the packageEasy
A numeric or list rule keyed to the package.		The same rule, checked together with all the others.
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 CHF 23 a month, but the listed price is CHF 18.
2The quote states CHF 200 for the first 12 months, but the listed prices give CHF 216.
3The quote states CHF 216 for the first 12 months, but the listed prices give CHF 108.
4The listed price applies with electronic delivery of account documents and card statements; no price is listed without it.
5The Gold package is not offered for a client of age 16.
6The Classic package is not offered for a client of age 11.
7The Easy package is not offered for a client of age 20.
8The UBS Personal Account Easy is not available for joint accounts.
9The Children package is not offered for a client of age 12.
10Credit card issuance is subject to the eligibility criteria and acceptance of the application; a person should confirm it.
11The Easy package does not include a credit card.
12The Children package does not include a credit card.
13For clients below age 18 only prepaid cards are available; the client is 9.
14For clients below age 18 only prepaid cards are available; the client is 16.
15The Gold package has a card in CHF only; euro and US dollar cards come with Platinum.
16The Classic package has a card in CHF only; euro and US dollar cards come with Platinum.
17The Children package is not offered for a client of age 4.
18The Easy package is not offered for a client of age 17.
19For clients below age 18 only prepaid cards are available; the client is 17.
20The Easy package has a card in CHF only; euro and US dollar cards come with Platinum.

  

  

    
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. Electronic delivery and stated amounts: A Platinum package for a 24-year-old

    
The agent's request. Please prepare a UBS Banking Platinum package quote for a client aged 24, with total assets of at least CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned off. The quote states CHF 40 a month and CHF 480 for the first 12 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Price needs electronic delivery. The listed price applies with electronic delivery of account documents and card statements; no price is listed without it.
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  • Stated monthly price does not match. The quote states CHF 40 a month, but the listed price is CHF 35.
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  • Stated first-year cost does not match. The quote states CHF 480 for the first 12 months, but the listed prices give CHF 420.
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2. Electronic delivery and stated amounts: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a UBS Banking Platinum package quote for a client aged 24, with total assets of at least CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on. The quote states CHF 35 a month and CHF 420 for the first 12 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. CHF 35 a month; CHF 420 for the first 12 months.
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3. Package and age: A Gold package for a 16-year-old

    
The agent's request. Please prepare a UBS Banking Gold package quote for a client aged 16, with total assets below CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Package not offered for this age group. The Gold package is not offered for a client of age 16.
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4. Package and age: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a UBS Banking Classic package quote for a client aged 16, with total assets below CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. This package is free of charge for this age group.
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5. Credit card: A Gold package with a euro credit card

    
The agent's request. Please prepare a UBS Banking Gold package quote for a client aged 42, with total assets below CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on, with a credit card in EUR. The quote states CHF 23 a month and CHF 276 for the first 12 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Card currency not available. The Gold package has a card in CHF only; euro and US dollar cards come with Platinum.
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  • Credit card needs acceptance. Credit card issuance is subject to the eligibility criteria and acceptance of the application; a person should confirm it.
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6. Credit card: The agent resubmits after fixing the errors

    
The agent's request. Please prepare a UBS Banking Platinum package quote for a client aged 42, with total assets below CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on, with a credit card in EUR. The quote states CHF 48 a month and CHF 576 for the first 12 months. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Credit card needs acceptance. Credit card issuance is subject to the eligibility criteria and acceptance of the application; a person should confirm it.
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  • Quote summary. CHF 48 a month; CHF 576 for the first 12 months.
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7. New client: A Gold package for a new 23-year-old client

    
The agent's request. Please prepare a UBS Banking Gold package quote for a client aged 23, with total assets below CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned on, for a new client. The quote states CHF 13 a month and CHF 78 for the first 12 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. CHF 13 a month; CHF 78 for the first 12 months.
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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 UBS Banking package quote for a private client in Switzerland: a package, the client's age and student status, the asset level, and more. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the prices and conditions UBS publishes in its services and prices brochure and returns a verdict, every reason and the amounts it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please prepare a UBS Banking Platinum package quote for a client aged 24, with total assets of at least CHF 10,000 or a UBS mortgage and electronic delivery of account documents turned off. The quote states CHF 40 a month and CHF 480 for the first 12 months. The rest of the request is on screen.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with three findings, all in one answer. The listed price applies with electronic delivery of account documents and card statements; no price is listed without it. The quote states CHF 40 a month, but the listed price is CHF 35. The quote states CHF 480 for the first 12 months, but the listed prices give CHF 420.
    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.
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  7. What this shows: for a monthly price that depends on package, age group, asset level and electronic delivery, 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 electronic delivery to on, the stated monthly price to 35 CHF and the stated first 12 months to 420 CHF.
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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 three earlier findings are cleared, and the validator's figure matches the quote.
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  13. Three 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.
    14.