What the confidence flags mean

Suggestions carry flags when something is worth a second look before you accept. Flags never block you — they are prompts to look twice, especially before bulk-accepting.

The flags

• Low confidence — the AI is unsure of the coding; check the account and GST treatment before accepting.

• Unusual amount — much larger or smaller than this payee’s usual pattern. Right coding, unusual size: worth confirming it is what you think it is.

• Possible personal — looks like personal spending through the business account; consider drawings (or the shareholder current account) instead of an expense.

• New payee — first time this payee has been seen, so there is no history to lean on and the suggestion rests on AI analysis alone.

How to respond to each

• Low confidence — open the line, confirm or fix the coding, accept. Your decision becomes precedent.

• Unusual amount — glance at the transaction reference or the source document; if it is genuinely a big version of the usual thing, accept as-is.

• Possible personal — be honest here: personal spending coded as business expenses is the classic thing IRD reviews find. Drawings is always the safe answer for genuinely personal items.

• New payee — a five-second check of the suggested account is usually all that is needed; after the first accept the payee has history.

Confidence is calibrated to be conservative. An unflagged, high-confidence suggestion is very likely right — which is what makes the flagged ones worth your actual attention.