product-recommendation

name	product-recommendation
description	Use when an employee asks which product to recommend to a customer, or to compare products for a specific customer need. Produces a grounded, segment-aware recommendation.

Product Recommendation Skill

Help an employee recommend the most suitable financial product for the customer in front of them, grounded in product conditions and the customer's context.

When to use

• "Which savings product should I suggest for this customer?"
• "Compare GrowthSaver and FixedDeposit Plus for a customer with €20k."
• "Is a GoldCard or PlatinumCard better for a frequent traveller?"

Inputs to gather first

1. Customer context — use the customer data tools to read the customer's segment (retail / youth / premium), existing holdings and recent activity. Read-only; never modify customer data.
   • Use get_net_worth for the customer's balance picture across all accounts (e.g. spotting a large sum sitting on a low/zero-interest current account that could be moved to a savings product).
   • Use summarize_spending to ground the recommendation in the customer's actual spending behaviour (top categories and merchants) — e.g. a frequent traveller or high card-spend profile that suits a particular card.
2. Product conditions — use search_financial_products and the product data tools to pull interest rates, fees, minimum deposits, notice periods and eligibility for the candidate products.

Method

1. Frame the need. State the customer goal (liquidity, yield, everyday spend, children's savings) and any constraints (deposit size, age, segment).
2. Shortlist products. Pick 2–3 candidates whose conditions fit the need.
3. Compare on the facts. Contrast rate, fee, minimum deposit, notice period and eligibility. Cite each figure with its source file and numbered section.
4. Recommend. Give a single primary recommendation with a one-line rationale and note the runner-up and when it would be preferable.

Output format

A short comparison (product, rate, fee, min deposit, key condition) followed by the recommendation, rationale and sources.

Guardrails

• Match the segment: youth/children's products require the age/guardian rules — if unsure, defer to compliance guidance.
• Do not oversell: state the trade-offs honestly. This is employee guidance, not regulated advice to the customer.