Family A · Serving customers
MeshFin Offer
Sales, offers and product eligibility
Offers made only to customers who are eligible and for whom the product fits, priced from the policy grid, disclosed in plain language and recorded with the suitability evidence beside them.
MeshFin Offer (MF-03), the service for sales, offers and product eligibility, is one of the twenty-four MeshFin services, in the "Serving customers" family, which follows the BIAN Sales and Service business area. It covers the BIAN service domains Customer Offer, Sales Product Agreement, Lead and Opportunity Management, Customer Campaign Management, Product Matching, Product Directory, Discount Pricing and Special Pricing Conditions in whole or in part. Offers made only to customers who are eligible and for whom the product fits, priced from the policy grid, disclosed in plain language and recorded with the suitability evidence beside them. It replaces sales crm, pricing exception spreadsheets, campaign tool and suitability notes in free text. AI agents carry the work end to end; a named person takes every decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. It is core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech.
BIAN service domains this service covers
In the BIAN Sales and Service business area of the Service Landscape 14.0, in whole or in part. Lay this over your own BIAN map to see what MeshFin Offer covers and what stays. BIAN has not reviewed or endorsed MeshFin.
- Customer Offer
- Sales Product Agreement
- Lead and Opportunity Management
- Customer Campaign Management
- Product Matching
- Product Directory
- Discount Pricing
- Special Pricing Conditions
What it replaces
- Sales CRM
- Pricing exception spreadsheets
- Campaign tool
- Suitability notes in free text
What it reacts to
- Customer asks about a product
- Campaign opens
- Pricing or rate change
- Eligibility changes on an existing customer
- Offer accepted or lapses
The agents that carry it
Eligibility agent
Tests each product against the customer's circumstances, the target market determination and the conduct rules before any offer is made.
Offer agent
Builds the offer from the product template and the pricing grid, writes the disclosure, and records the suitability evidence with it.
Follow-through agent
Tracks acceptance, hands the agreement to the owning service, and closes or renews the offer on time.
Where a person decides
No decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation is taken by an agent alone. In MeshFin Offer, these decisions are held for a named person, with the agent's evidence and recommendation attached.
| Decision | Who decides | Why a person |
|---|---|---|
| Any offer outside published pricing or policy | Pricing delegate | Commits the institution |
| A product offered to a customer flagged as vulnerable | Team leader | Conduct obligation |
Records it writes
Offer with suitability evidence · Sales agreement · Pricing exception · Disclosure record
Before MeshFin: the baseline this service is measured against
Illustrative figures for a mid-sized institution on the systems the service replaces. Sample data, not a customer's. A live service reports what its agents are doing instead.
Offers a year
380,000
across every channel
Outside target market
unknown
today; checked after the fact, if at all
Pricing exceptions
by email
approved outside any system
Time to a priced offer
2 days
today for a business customer
Institutions: core for a universal and retail bank, core for a mutual and community bank, core for a non-bank lender and fintech. Universal and retail bank ● · Mutual and community bank ● · Non-bank lender and fintech ●.
Questions banks ask about MeshFin Offer
- What does MeshFin Offer do?
- MeshFin Offer is the MeshFin service for sales, offers and product eligibility. Offers made only to customers who are eligible and for whom the product fits, priced from the policy grid, disclosed in plain language and recorded with the suitability evidence beside them. It reacts to events such as customer asks about a product, campaign opens and pricing or rate change, and writes offer with suitability evidence, sales agreement, pricing exception and disclosure record as records.
- Which BIAN service domains does MeshFin Offer cover?
- Customer Offer, Sales Product Agreement, Lead and Opportunity Management, Customer Campaign Management, Product Matching, Product Directory, Discount Pricing and Special Pricing Conditions, in the BIAN Sales and Service business area, in whole or in part. The mapping is to the published BIAN Service Landscape; BIAN has not reviewed or endorsed MeshFin.
- What systems does MeshFin Offer replace?
- Sales CRM, Pricing exception spreadsheets, Campaign tool and Suitability notes in free text. Because the service runs on the MeshFin platform, the licence, integration and upgrade costs of those systems retire with them.
- What do the AI agents do in sales, offers and product eligibility?
- The eligibility agent tests each product against the customer's circumstances, the target market determination and the conduct rules before any offer is made. The offer agent builds the offer from the product template and the pricing grid, writes the disclosure, and records the suitability evidence with it. The follow-through agent tracks acceptance, hands the agreement to the owning service, and closes or renews the offer on time.
- Which decisions does a person still take?
- Agents never take a decision with legal or financial effect on a customer, the balance sheet or a regulatory obligation. In MeshFin Offer, a person decides any offer outside published pricing or policy (pricing delegate) and a product offered to a customer flagged as vulnerable (team leader). The record shows who decided, why, on what evidence and under which delegation.