As I understand it in the current solution design, Utilization settings are only followed for calls that are ACD routed interactions (routing based on a system decision).
In other words, the Utilization rules are only leveraged when a call is being routed by an ACD Queue (system decision). For direct calls, the decision on if/where to send the call is made by the caller (human decision) and does not leverage the Utilization settings.
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Travis McGee
Genesys - Employees
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