Services · Mobile app development · AI chat agents
Codeeo provides AI chat agent development across the UK for retailers, lenders, insurers, housing providers, healthcare operators, utilities and multi site service businesses. We design agents that answer from your approved content, act inside your systems, respect UK GDPR, consumer law and sector rules, and hand customers to trained staff whenever a decision, a complaint or a vulnerable situation needs a person.
A national rollout raises questions a single site pilot never meets: different legal systems in Scotland and Northern Ireland, Welsh language duties, regional branch data and accessibility for every customer. We plan for those from discovery, so later waves reuse the same foundations instead of rebuilding them, and we work remotely with UK clients by video call.
200+ companies servedFrom a first store to an ADX listed developer
National capabilities
The UK does not have a single AI statute. Instead, existing regulators apply existing law to AI: the Information Commissioner's Office for personal data, the Financial Conduct Authority for financial services, the Competition and Markets Authority for consumer protection, Ofcom for online safety, and sector bodies such as the Care Quality Commission and the Regulator of Social Housing. The Data (Use and Access) Act 2025 has also changed parts of UK GDPR, including the rules on automated decisions, with provisions coming into force in stages.
For a national organisation, that means the agent must be designed so each answer area has an owner who understands the relevant rules. It also means planning for scale: thousands of conversations a day, many branches with their own details, and customers in four nations. These are the capabilities we focus on for UK wide deployments.
Opening hours, services, staff and stock differ between your branches in Leeds, Cardiff, Glasgow and Belfast. The agent identifies the customer's location from a postcode or their account and answers using that branch's live data, rather than a national average that is wrong for half your customers.
Customers get answers that are correct for where they live.
Tenancy law, consumer protections, prescription charges and many public services differ between England, Scotland, Wales and Northern Ireland. We tag knowledge by nation so a Scottish tenant is never given English eviction rules,, and test each nation's answers separately. Customers who move between nations are prompted to confirm their current address before receiving advice that depends on it.
Legally different answers stay correctly separated.
Public bodies covered by the Welsh Language Standards, and businesses that want to serve Welsh speakers well, can offer a full Welsh conversation, with answers drawn from approved Welsh content and checked by fluent reviewers rather than left to machine translation.
Welsh speakers receive service of equal quality in their language.
Account specific answers need verified customers. The agent can rely on your existing sign in, on NHS login for health services, on GOV.UK One Login for public services, or on step up checks before sensitive actions such as changing a bank account or address.
Personal data is shown only to the person it belongs to.
For FCA regulated firms, the agent supports good outcomes: it explains products in plain language, avoids nudging customers toward unsuitable choices, and recognises signs of vulnerability using your own policy, handing those customers to trained staff and recording why.
Evidence that the agent supports fair customer outcomes.
Where it helps, the agent can start a payment through an Open Banking provider or your card processor, set up a payment plan within approved limits, or explain a missed direct debit, while card details never pass through the chat transcript.
Customers settle balances without phoning, and card data stays out of logs.
Delivery updates, appointment reminders and renewal notices can be sent by SMS, email or WhatsApp. The agent checks your consent records before any marketing message, as PECR requires, and separates service messages from promotions so customers are not contacted without the right permission.
Proactive messages that stay within electronic marketing rules.
The chat interface is built to WCAG 2.2 AA, works with screen readers and voice control, and supports plain English. Customers can ask for reasonable adjustments in conversation, and the agent records them so every branch sees the same needs, supporting duties under the Equality Act 2010.
Disabled customers have an equal route to service.
National organisations usually run Genesys, Amazon Connect, Salesforce Service Cloud, Dynamics 365 or similar. The agent hands over into the right queue with skills based routing, and supervisors see its conversations alongside human ones in the same reports.
One operating view of human and automated service.
We maintain an inventory of models, prompts and data sources, a log of changes and test results, and a data protection impact assessment. These records help your risk, audit and data protection teams answer regulators and internal auditors with confidence.
An audit trail your second and third lines of defence can review.
Who we build for
National deployments carry more risk and more reward than local ones. A wrong answer is repeated thousands of times, but a good one saves time in every branch and contact centre. We are a fit when your organisation is ready to assign owners for each answer area, give the agent access to real systems, and roll out in measured waves. If you are still deciding whether AI belongs in customer service at all, a short discovery engagement to test it against your own data is the sensible first step. That engagement ends with a written recommendation, including the option of not building an agent at all.
Financial services firms across the UK want to reduce queues for balance, policy and claims questions without breaching Consumer Duty or giving unregulated advice. We build agents that answer from approved wording, recognise vulnerability, record complaints properly and leave regulated decisions to authorised staff. Rollout often starts with existing customers who are signed in, where identity is already known.
Compliance signs off each answer area before it goes live.
Housing associations and large landlords with homes in England and Wales, or across the border into Scotland, face different tenancy law, repair standards and language duties. An agent that knows which nation each home sits in, and routes repairs, damp reports and rent questions correctly, reduces contact centre pressure while respecting each regime. It can also apply the damp and mould response expectations that now bind social landlords in England, while keeping Welsh and Scottish standards separate.
Private clinics, dental groups and care providers regulated by the CQC in England, and by the equivalent bodies in the other nations, need booking, pre visit questions and directions at scale. The agent never gives clinical advice; it books, reminds, answers practical questions and hands anything symptomatic to clinical staff or to NHS 111 guidance. Patient data is handled to NHS Data Security and Protection Toolkit expectations where you provide NHS services.
Clinical safety rules are set with your clinical lead.
Retail chains, energy suppliers, telecoms and water companies handle very high volumes of account, billing and delivery questions. Custom AI chat agents UK operators of this size need must integrate with billing and order systems, scale under storm or outage peaks, and pass difficult cases to people quickly. We design for those peaks from the start.
Engagement
Codeeo has no UK office. Our team of 80+ across Dubai, Riyadh and Karachi works remotely with UK clients, and discovery sessions, design reviews and steering meetings run by video call. National projects usually start with a paid discovery and pilot, then move to a programme with a dedicated team covering engineering, testing and content operations. Smaller organisations often prefer a fixed scope build followed by a support retainer. We have delivered 200+ projects across the UAE and the US and are rated 4.7 from 23 Google reviews.
Procurement teams receive a clear statement of work, data processing terms, security answers and a named lead for the programme. Steering reports cover progress, risks, quality results and spend against plan, in a format your board can read without translation.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We select models from the major providers and host on Azure, AWS or Google Cloud UK regions, with retrieval over your knowledge, typed tools for each system action, and monitoring for cost, quality and abuse. For conversational AI agent development UK organisations can assure, every component is documented and replaceable. Load testing simulates national peaks, such as a storm, an outage or a sales weekend, before each rollout wave.
01Mobile
02Data and cloud
03Marketing and tracking
No single AI act, but plenty of law applies.
The UK has taken a regulator led approach rather than passing one AI statute. UK GDPR and the Data Protection Act 2018, as amended by the Data (Use and Access) Act 2025, govern personal data. Consumer law, the Equality Act, PECR and sector rules from the FCA, CQC, Ofcom and others still apply to what the agent says and does. If you also serve customers in the EU, the EU AI Act may apply to that part of your service. We map which of these apply to each conversation type during discovery.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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