A bank wants an agent that explains what a fee means, using only the approved fee schedule, when a customer asks. The agent must not waive the fee or change the account. Which design fits?
Select an answer to reveal the explanation.
Short Explanation
Explaining a fee is like reading the price list aloud. You want a prompt-and-response agent that uses the fee schedule when the customer asks and does not waive the fee. An agent that waives the fee when the customer says its name is doing a job the bank forbade.
Full Explanation
A prompt-and-response agent answers when asked and does not take a business action it was told to avoid. The customer asks what a fee means, the approved fee schedule is the source, and waiving the fee or changing the account is forbidden. An autonomous agent that reviews every account overnight and waives fees it considers unfair starts from a schedule the customer did not trigger and takes the action the bank banned. A task agent that waives the named fee whenever the question includes the fee name treats an explanation request as an order to change the account. A Computer Use agent that clicks through the core banking screens to delete the fee drives the system of record toward the same forbidden change, and the fee schedule can be supplied as knowledge without any screen driving. The agent should have no tool that posts a waiver or edits the account. Exam caveat: answering from a fee schedule does not become a task agent just because the customer named the fee. The absence of the waiver is the constraint. Operational check: ask what a test fee means and confirm the reply matches the schedule and that the account balance and fee status are unchanged.