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HDFC Smart Banking
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AI Copilot
3
Active
v9.8
card.late_fee.waiver · 14 steps · 142 runs (7d)
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End
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Customer dropped
Yes
No
Yes
Triggers
Intent: card.late_fee.waiver
Compliance
Verify identity (OTP)
Action
lookupCustomer
Action
checkLateFeeWaiverEligibility
Logic
Eligible?
Conversation
Explain ineligibility + alternatives
Conversation
Confirm waiver request
Code
Build approval payload (TS)
Compliance
Audit: waiver_requested
Action
applyLateFeeWaiver (approval)
Conversation
Confirmation + reference #
End
End: Success
End
Handoff: human review
Routing
Hand off — billing team
Conversation
Want to talk to a human?
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＋
－
Auto-layout · vertical
Logic
Eligible?
Config
Errors
Audit
Condition
eligibility.decision == "approved" && customer.tenureMonths >= 12
2 outgoing branches:
Yes
·
No