THE COGENT AI FRAMEWORK · BY PREDICTX

The Agentic AI Framework for Travel and Expense

Cogent is PredictX’s agentic AI framework for travel and expense: it splits complex T&E work across orchestrated specialist agents and executes it end to end, with every answer validated, cited and auditable.

ISO 27001:2017 · PCI-DSS · Cyber Essentials · GDPR

You read one answer. A team of specialists did the work.

<10s
Average response time
100,000+
Data points per single query
99%+
Acceptable response rate
Fully Auditable
To row and field level
WHO THIS IS FOR

Built for T&E programmes that have outgrown dashboards

MULTI-ENTITY PROGRAMMES

Global, multi-currency T&E

Consolidating TMC, card, expense, HR and finance data across regions and currencies.

Explore the framework
LEADERS WHO OWN T&E

Work done, not another dashboard

Travel, finance and procurement leaders who need work asked for and done.

Explore workflows
AI, SECURITY & DATA TEAMS

Validated for enterprise deployment

Governance, permissions, audit trails and accuracy controls, checked before rollout.

Explore governance
BEYOND CONSULTANTS & BI QUEUES

Delegated work on your own data

Replacing consultant engagements and BI ticket queues with agent-run analysis.

See the evidence
THE PROBLEM

The Toggle Tax: why dashboards cannot fix capacity

It is the Friday before the quarterly review, and the questions on the table are simple. Which travellers drove the compliance dip? What would a policy change save? The data exists. The decisions are not getting made.

The Toggle Tax: answering one question means switching between a TMC booking tool, an expense platform, a card feed, a supplier portal and a compliance dashboard. The switching across 6+ disconnected systems compounds in hundreds of small moments where strategic people do administrative work.

The capacity gap
16% vs 57%

Just 16% of travel buyers planned to add headcount in 2025 while 57% expected travel spending to rise. GBTA Business Travel Outlook Poll, February 2025.

Cost of slow surfacing
$145K · 18 mo

Occupational fraud costs a median of $145,000 per case, and expense reimbursement schemes run a median of 18 months before detection. ACFE Report to the Nations, 2024.

Strategy dies in browser tabs. More dashboards will not close the gap. More capacity will.

HOW IT WORKS

How the Cogent agentic AI framework works

The Cogent AI Framework is the agentic AI framework for travel and expense. Each agent is configured with a focused remit, backed by advanced methods that guarantee the accuracy and reliability of every outcome. The framework doesn’t assist with T&E work. It does it.

One loop, Route · Execute · Respond, through five steps
01
User question, or trigger

A plain-language brief, a schedule, or an event starts the work. No query syntax required.

02
Intent interpretation

The framework determines what is being asked and which data applies.

03
Data retrieval

Live sources are queried simultaneously across your consolidated T&E estate.

04
Logic & anomaly checks

Calculations run against your policy parameters, negotiated rates and business rules.

05
Answer with insight

A direct, cited answer, plus the findings you did not ask for but need to see.

COGENT · LIVE BRIEF
You

Which travellers drove the compliance dip in Q3, and what would fixing it save?

✓ Brief received · no query syntax needed
Cogent

Parsing intent: compliance driver + savings estimate, scoped to Q3.

Compliance
Savings
Q3 scope
✓ Intent classified · 2 sub-tasks routed
Cogent

Querying live sources across the consolidated T&E estate.

TMC
Card
Expense
HR
✓ 4 sources queried in parallel
Cogent

Checking results against policy parameters and business rules.

✓ Cross-referenced · scored vs business-rule evals
✓ No hallucination flags
Cogent

14 travellers across EMEA account for 68% of the dip. Policy fix saves an estimated £210K annually.

✓ Cited to source · validated · 8.4s
Starting point
1 brief

Plain language, no query syntax

Evaluated per query
100,000+

Data points across your consolidated estate

To one validated answer
<10 sec

Cited, checked, ready to act on

PROOF · LIVE DEPLOYMENTS

What the framework finds on real programme data

01 · POLICY SIMULATION

£600K–£800K

Global financial services · 20,000+ travellers

A business-class threshold change was modelled across roughly 450 affected flights, projecting £600K to £800K in annual savings. Manually: two to three weeks of analyst work. With Cogent: one brief, seconds, a finance-ready export with country-level breakdown.

02 · OFF-CHANNEL DETECTION

145 instances

Global pharmaceutical · 10,000+ travellers

One verbatim brief surfaced 145 instances of off-channel spend and traced 80% to one department at one conference, protecting an estimated £45K to £55K in a single quarter.

03 · GROUND TRANSPORT BLIND SPOT

$4.44M

Global pharmaceutical · enterprise programme

One query exposed that 99.99% of rideshare spend carried no location data: a category most programmes cannot see at all. Cogent surfaced the blind spot in a single brief.

04 · ONE SOURCE OF TRUTH

3 → 1

Global biopharmaceutical · executive reporting

Three systems reported the same YTD air spend three ways. Cogent reconciled all three to one defensible figure, before the board meeting rather than during it.

05 · HIDDEN HIGH-VALUE TICKETS

17 tickets

Global biopharmaceutical · premium cabin audit

A search for premium tickets on one transatlantic route returned 2 results on the initial filter, then 15 more once the return leg was included: 17 tickets over $12,000 missed entirely.

“Every travel technology vendor promised us intelligence. PredictX is the only one that delivered autonomy. There is a significant difference between the two.”

HT

Head of Global Travel

Fortune 500 Manufacturing Group

THE ARCHITECTURE

Four layers, one delegated answer

Route every request to a plan, not a guess

The Router Agent receives every query, classifies the intent, and creates a detailed plan across sub-agents.

Intent classification

Every brief is understood before anything runs, so compliance and sourcing questions take different paths.

Execution graph

Complex T&E work is broken into small, focused jobs with a clear owner, input and output.

Parallel dispatch

Specialists run simultaneously, not in sequence; answers arrive in seconds rather than days.

Consolidation

Results return as one coherent, cited answer.

ROUTER · EXECUTION GRAPH
BriefPrepare our Q3 airline renewal position.
FAN-OUT · 4 SPECIALISTS IN PARALLEL
Sourcing
Contract
Market
Spend
✓ Consolidated → one negotiation-ready pack · <10s · every figure cited
Example“Prepare our Q3 airline renewal position” fans out to sourcing, contract, market-rate and spend specialists at once, each running a different method, returning one negotiation-ready pack.
A question that used to span five systems comes back as one answer, not five exports.

Split the work across specialists that each own one remit

Specialist agents work in collaboration, each modelled after a real T&E role, not a generic model dressed up. Higher accuracy. Faster answers. Workflows that grow without adding headcount.

Data query specialists

Interrogate consolidated booking, card, expense, HR and finance records at transaction level.

Document specialists

Read contracts, proposals and policies, with 100+ page PDF document comprehension.

Market intelligence specialists

Bring external fare, rate and supplier signal into the same investigation.

Audit specialists

Continuous compliance scrutiny alongside DetectX, catching issues before reimbursement.

SPECIALIST ROSTER
Data query
Document · 100+ pg
Market intel
Audit · DetectX
~90% faster than traditional BI
ExampleA document specialist reads a 100+ page supplier proposal while a data specialist pulls your actual route volumes; the comparison lands in one answer.
You brief one system; the right specialists do the rest.

Validate every answer before anyone sees it

A confident-sounding answer is not the same as a correct one. The framework eliminates hallucinated answers through multi-step validation: every answer is checked, cross-referenced and grounded in your data before it surfaces, scored against your own rules rather than model confidence.

Validated against clean data & your rules

Data is cleaned and reconciled during ingestion, before the AI sees it.

Independent validation

A separate agent audits every output before release.

Discovery checkpoint

Surprising results pause for human review before a report is written.

Full lineage

Every answer records what was asked, what answered, traced to source.

VALIDATION PIPELINE
DraftProjected saving: £1.9M (▲ 240% vs prior run)
⚠ DISCOVERY CHECKPOINT · PAUSED FOR REVIEW
AuditDeviates sharply. Working attached, not auto-returned.
✓ Full lineage · scored vs business-rule evals · target 99%+
ExampleA savings figure that deviates sharply from every previous run is not returned; it pauses at the checkpoint with its working attached.
Know every figure is defensible before it reaches the board, not after.
“The interface was never the hard part. The hard part sits underneath: an independent validation layer between the model and the answer. That is what lets an enterprise delegate whole T&E workflows, not just questions.”
KC
Keesup ChoeChief Executive Officer, PredictX

What this means for your Monday morning

No dashboard rebuildsNo SQLNo BI ticketNo consultant engagementOne brief
WHAT IT EXECUTES

Fully delegated T&E workflows, executed end to end

Agentic AI is already running these workflows on this framework.

1Report generation

Compose, format and deliver auditable reports on demand, every figure traceable to its source query.

2Supplier negotiation

Build data-backed negotiation briefs from contract terms, historical spend and live market signal.

REPORT · Q3 TRAVEL REVIEW
You

Q3 travel spend, board-ready.

Cogent

Report compiled: 4 regions, every figure cited to source.

✓ Export ready · PDF + slide summary

3Savings identification

Agents autonomously scan live data and surface opportunities with action plans, including T&E leakage detection.

4Spend analysis

Natural-language interrogation of every spend dimension, down to entity-level travel spend analytics, with the working shown.

SAVINGS OPPORTUNITIES
✓ 3 leakage flags · action plan attached

5Procurement workflows

Sourcing, supplier evaluation and contract execution run as delegated agent jobs.

6Workflow automation

Chain agents into repeatable jobs, triggered on schedule, on event, or on demand from any connected interface.

AUTOMATION · CHAINED JOBS
✓ Scheduled · event-triggered · on demand

BUILT ON THIS FRAMEWORK

The framework ships inside two products and one free library.

Cogent

AI T&E reporting and analysis

Ask in plain language

Every figure cited to source

Runs on schedules and triggers

Explore Cogent ->

Orchestra

The AI agent team for travel and expense

A team of specialists, not a chatbot

Human approval gates on every plan

Consultant-grade deliverables, exportable

Meet Orchestra ->

The Prompt Library

50 AI prompts for travel and expense

Ten categories, copy and run

Starter pack for your first week

Free, no gate

Open the Library ->
GOVERNANCE, SECURITY & CONTROL

Delegation without surrender

Agent behaviour is governed by design, not by policy document. It augments your team’s judgement; it does not replace it. You delegate the workload, not the authority, and every workflow ships enterprise-ready.

Decision mapping

You define which decisions agents take autonomously and which route to a named human.

Human-in-the-loop routing

Handoff points are explicit, with clear done criteria.

Logged in full

Every agent action is recorded, so you can audit exactly what ran, when and why.

Certifications

ISO 27001:2017, PCI-DSS, Cyber Essentials, with GDPR compliance and data residency options.

Strict data segmentation

Tenant data fully isolated at every layer; zero cross-tenant access by design.

Identity & access

SSO, role-based permissions inherited from your IdP, enforced to row and field level.

Full audit trail

Every agent action, query and response logged, with DPA available on request.

Model routing

Each task routes to the right model for cost, latency and accuracy; no vendor lock-in.

Centralised config & observability

Agents, tools and permissions managed from one control plane, with first-class logging and tracing.

COMPARISON

Dashboards, copilots and the agentic framework, side by side

Dashboards are good at monitoring known KPIs; embedded copilots are good at in-flow tasks inside their host platform. The decision is which job you are hiring for. Follow one question through each era: “Which travellers drove the compliance dip, and what would fixing it save?”

DashboardCopilotThe Cogent AI Framework
AnswersWhat happened?What should I do?What got done?
A brand-new questionBI request, rebuildFrom host-system dataPlanned, executed, validated
Data reachModelled in advanceOne platformConsolidated, governed, 200+ sources
ValidationA human checks the chartModel confidenceBusiness-rule evals, independent validation agent
DeliverableA chart to interpretAn answer to act onThe finished, cited report
Your roleAnalystOperatorDirector

The direction of travel is set: Gartner projects that 40% of enterprise applications will ship task-specific AI agents by the end of 2026, up from under 5% in 2025. Source: Gartner, August 2025.

OUTCOMES

Optimised for measurable impact

Every decision starts from validated intelligence instead of another meeting.

80%
Cost savings on processed workflows
100,000+
Data points per single query
100+ pg
PDF document comprehension
99%+
Acceptable response rate target
10 min
Onboarding to first deployed agent
Two to three weeks of analyst modelling
One brief, answered in seconds.
A BI ticket and a rebuild
A plain-language question.
RFP scoring by hand
40+ hours reclaimed per sourcing cycle.

WHY WE BUILT THIS

Why we built the framework

THE PREDICTX TEAM

I have watched travel and expense teams live inside the same contradiction for twenty years: more data than almost any function in the company, and less capacity to act on it. The problem was never the data. It was the speed at which decisions could be made from it.

And the real potential of AI is not in taking over the jobs people already do. It is in doing the work that is not being done: the work that was too expensive, that needed too many people, that never made it off the list. That is what we built the framework for. Not a faster dashboard. A workforce.

Keesup Choe · CEO, PredictX

FAQ

Questions your team will ask

What is the Cogent AI Framework?
PredictX’s agentic AI framework for travel and expense. It splits complex T&E work across specialist agents and orchestrates it end to end: a Router Agent plans every request, specialists execute in parallel across 200+ governed connectors, and an accuracy and reliability layer validates every outcome before release. Two products run on it: Cogent, the workspace, and Orchestra, the agent team. Every answer is cited, permission-governed and auditable.
Is Cogent a chatbot?
No. A chatbot waits for a message and replies from one system’s data. Cogent plans the work, delegates it to specialist agents, executes complete T&E workflows, validates the result against your business rules, and can start work from autonomous triggers rather than prompts. A chat surface is one way to brief it. The framework doesn’t assist with the work. It does it.
How does agentic AI improve T&E policy compliance?
It moves compliance from after-the-fact reporting to real-time intervention. The framework audits every booking, card and expense record continuously against your live policy, surfaces out-of-policy spend by named traveller, and catches fraud before reimbursement rather than after. 24% of travel buyers cite non-compliant bookings as their top risk priority; continuous agentic auditing addresses it as it happens. Source: GBTA.
How does the framework guarantee accuracy and reliability?
Through layered validation rather than model confidence. Findings are scored against your business rules, an independent validation agent audits every output before anyone sees it, source authority resolves conflicts between records, and surprising results pause at a discovery checkpoint for human review. Every answer is traced to its source query, and it targets a 99%+ acceptable response rate on relevant programme queries.
Does it replace our existing booking and expense platforms?
No. The framework is the intelligence layer that sits across your existing stack. It consolidates data from your corporate travel management software, expense platforms and TMCs, alongside card, GDS, HR and General Ledger feeds, through 200+ maintained connectors, then runs the investigations those systems’ reporting modules cannot. Booking and expense submission stay exactly where they are. No rip and replace.
How long does deployment take?
Minutes, not months. The framework runs on your existing estate through 200+ maintained connectors, so there is no rip and replace and no new point integrations to build, and permissions carry over from your current PredictX deployment. Technical teams typically stand up their first deployed agent in around 10 minutes; enterprise onboarding then configures workspaces, policies and schedules.
What data sources does it connect to?
200+ maintained connectors across TMCs, expense systems, corporate cards, OBTs, GDS, suppliers, HR and General Ledger, consolidated into one governed estate across every entity and geography. Source authority resolves conflicts between records, and every agent inherits the requester’s role-based access down to row and field level.
How do humans stay in control?
Control is configured, not assumed. You define which decisions agents take autonomously and which route to a named human, reading and writing carry separate permissions, surprising findings pause at a discovery checkpoint, and the framework never commits spend without a final human Go or No-Go. Every agent action is logged in full and reversible by design.