Credit card limit increase
The customer types in the app or talks to the call centre; the decision takes seconds, and anything above threshold goes to a manager.
Credit card limit increase
- Message received, session identity verified
- Intent: limit increase · Amount: 150,000 · Card: ****4412
- Plan: risk check → policy → write → notify
- Customer profile and 12-month utilisation pulled
- Policy v1.3: score 742, utilisation 38% → eligible, above threshold
- Limit > 100,000 → routed to branch manager approval
- Limit updated to 150,000 in core banking
- Push and SMS sent, decision trail stored
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
"I want to raise my limit" message in the mobile app
New limit written to core banking, customer informed, decision trail stored
Agents
Card Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Intent Agent
Understands the request, extracts amount and card
detect_intentextract_entitiesRisk Agent
Applies policy against score, income and utilisation
get_customer_profileget_utilisationpolicy_checkOperations Agent
Writes the approved limit to core banking
update_card_limitsend_notificationSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Card Supervisor | Message received, session identity verified | — | 180 | — |
| 02 | reason | Intent Agent | Intent: limit increase · Amount: 150,000 · Card: ****4412 | — | 640 | 410 |
| 03 | plan | Card Supervisor | Plan: risk check → policy → write → notify | — | 320 | 220 |
| 04 | tool | Risk Agent | Customer profile and 12-month utilisation pulled | KYC / Customer 360 | 410 | — |
| 05 | verify | Risk Agent | Policy v1.3: score 742, utilisation 38% → eligible, above threshold | — | 780 | 960 |
| 06 | approval | Card Supervisor | Limit > 100,000 → routed to branch manager approval | — | 2,400 | — |
| 07 | write | Operations Agent | Limit updated to 150,000 in core banking | Core Banking | 520 | — |
| 08 | notify | Operations Agent | Push and SMS sent, decision trail stored | Push & SMS Gateway | 260 | — |
Digital account opening (KYC)
ID, liveness and sanctions checks in one flow; clean applications open an account in minutes, no branch visit.
Card fraud alert triage
The card is blocked in seconds and the customer asked on WhatsApp; the reply releases or cancels the card.
Chargeback dispute handling
Dispute captured, evidence assembled and filed with the card scheme; large provisional credits go to approval.
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