Expansion agent
The Expansion agent is part of Creatio's autonomous banking agent portfolio for Bank.AI. Unlike AI assistants that suggest actions for a human to carry out, autonomous agents execute end-to-end workflows on their own. They coordinate decisions, actions, and handoffs across systems while keeping humans in the loop where oversight is required. The main purpose of this agent is to help you grow revenue from the existing customer base. Instead of reviewing portfolios manually, the agent automates the review by analyzing each customer's data and producing prioritized product recommendations without manual effort. For the bank, this means fewer manual touchpoints, faster contact processing, and consistent quality across leads.
The Expansion agent analyzes your customer's data to produce relevant, responsible, and personalized product recommendations.
How the agent classifies products
The agent draws on contact data available in Creatio or, through an MCP (an industry standard integration protocol) connection, in your core banking system or another external source. It reviews each customer's existing products, activity, and relationship with the bank to estimate how likely they are to accept an additional product.
Based on this analysis, the agent assigns every product one of three tiers:
- High. The customer's data strongly supports the product. A banker can treat this as a priority lead.
- Medium. The customer's data shows some fit, but the case is less certain than a High tier.
- Low. The customer's data does not support the product. The agent does not act on Low-tier results; they are not turned into leads or referrals.
Classification runs automatically for every customer in scope; a banker does not review or approve individual scores before they are generated. This is what lets the agent replace manual portfolio review: instead of a banker screening accounts one by one, every customer gets a consistent, up-to-date set of recommendations. Oversight still applies downstream. A banker can open the Creatio.ai chat panel to see the reasoning behind any recommendation, and the agent drafts, rather than sends, the outreach email, so a human decides what actually reaches the customer.
For a bank, this means the agent's output scales to the full customer base without added headcount, while the tiers give you a way to prioritize their limited time on the leads most likely to convert.
What the agent creates in Creatio
For every high- and medium-tier product, the agent creates a lead. A lead is a Creatio record that tracks a potential sale from first contact through qualification, before it becomes an opportunity. Each agent run creates one lead record at most, and only if at least one product-category recommendation reaches medium or high confidence. Every referred product category from that run with medium or high confidence is tied to that single lead. Low is not.
The agent also populates the list of referred product categories on the Sales tab of the lead page with the recommended products, giving you a ready-made record instead of a raw score: the lead already carries the context needed to start a conversation with the customer, so the banker does not have to open the customer's full history to see why a product was recommended.
Deployment modes
The Expansion agent can run in the following modes, set when you configure the agent. Each mode run the same classification against the same customer data. They differ only in where the recommendations end up and how you act on them:
- Creatio ecosystem. The agent creates a lead directly in Creatio for every High- and Medium-tier product, as described above. Work these leads through Creatio's existing sales process, with no separate integration or data transfer to set up.
- Core banking system. The agent compiles the classification results into a referral table and exports it to your core banking system, so you can act on the recommendations from the system you already use for sales.
This means you can put the Expansion agent's recommendations to work without changing where its sales team operates: banks that run sales in Creatio get leads ready to work, and banks that run sales from their core banking system get the same recommendations delivered there instead.
Build and manage the agent in Creatio AI Studio.
The Expansion agent is installed separately. To add it to your Bank.AI configuration, contact your Creatio success manager.