UNFYD.BANCA · The Banking Operating System · One Platform for Banks, Insurers, NBFCs and Wealth Houses

From distribution that’s a footprint without a funnel,to one model where every player grows from the same customer opportunity and business outcome.

When growth becomes dependent on effort, your distribution coordination weakens as players lack visibility and accountability. Customer context disappears between institutions and moments. UNFYD.BANCA connects the entire value chain, from lead generation and advisor enablement to issuance, servicing and renewal, on a single governed framework.

Because the bank already has the trust. Bancassurance has to convert it.

Lead-To-RM Drift →

Lead-To-RM Drift

The lead the marketing team generated this morning will not reach the right RM in time to convert. Spreadsheets, branch call logs, partial CRM entries and post-it notes carry the funnel until it leaks. 30-45% of bank-sourced banca leads receive no follow-up at all. The highest-LTV premium an insurer can underwrite, is also the easiest one to lose.

What that quietly costs you :

30-45%bank-sourced leads, no RM follow-up

14 daysaverage policy TAT, siloed setups

60%+banca policies lapse from post-sale vacuum

2×cost to acquire via manual channels

72 hrsRMs unaware of sourced lead status

Every campaignruns without pipeline feedback loop

Every systemclaims, sales and CBS, on different stacks

Every audita reconstruction project, not a query

Each leakage point is recoverable. The operating model that connects them, isn’t available off the shelf.

Cycle-Time Drag →

Cycle-Time Drag

A bancassurance application that should clear in under a day, takes 14. KYC paperwork moves between bank branch, insurer ops, underwriter and back, with photocopies and physical signatures along the way. By the time the policy issues, the customer’s appetite for the next product has moved on. STP isn’t a nice-to-have for banca. It is the difference between conversion and abandonment.

Video KYC, e-sign, intelligent document processing and straight-through processing have been industry-available for years. Most banca setups still run on courier-ed paperwork between the branch and the underwriter. The customer who said yes on Tuesday is asked to say yes again on Friday. A second yes is harder than the first.

Post-Sale Vacuum →

Post-Sale Vacuum

The bank sold the policy. The insurer issued it. Now neither team owns the conversation that follows. 60%+ of bancassurance policies lapse within the first few years, almost entirely because the post-sale relationship has no operating home. The renewal letter is the only sustained engagement, and it arrives too late. Persistency is decided in the silence between the issuance and the first renewal.

Service tickets the customer raises through the bank app never reach the insurer. Claim complaints surface at the bank counter, not the policy desk. Cross-sell opportunities expire because nobody is reading the customer’s next life stage. The bank-insurer-customer triangle has three sides and no closing record.

60%+policies lapse from post-sale vacuum

Persistencydecided before the first renewal letter

Cross-sellwindows expire without a reader

The most efficient renewal lift in banca, is the one that begins the day after issuance.

Disconnected Stack →

Disconnected Stack

Most banca operations stitch together a bank CRM, an insurer policy admin system, a separate payment gateway and a handful of point tools for KYC, e-sign and case management. Oracle, Newgen, Salesforce, and the bank’s home-grown layer all hold a fragment. The customer experience is the average of all five, not the best of any one.

A generic CRM is built for any industry, and therefore for none of bancassurance specifically. A workflow tool is built for documents, not relationships. A core banking system is built to settle transactions, not nurture cross-sell. The bancassurance lifecycle was never the design assumption for any of them. The integration weekends cost more than the licences.

Where banking signals, insurance offers and renewal moments finally share a record.

Distribution leaders, marketing teams, RMs, insurer ops, claims and compliance all draw from a bancassurance record. The lead the campaign created flows to the RM with full context. The application moves through STP without rekeying. The renewal nudge fires at the moment of life-event change. The audit trail writes itself.

BANCA, in your team’s pocket.

4× RM productivity that the actuary always priced into the channel plan. Cross-sell ratios moving on the bank’s own customer base, not on acquisition spend. Persistency curves bending where the lapse model said they would. 3 independent banca P&L levers, moving simultaneously, on the same governed operating record.

From distribution that’s a footprint without a funnel,to one model where every player grows from the same customer opportunity and business outcome.

Bank-sourced lead conversion is the highest-LTV premium an insurer can underwrite. Most distribution stacks are quietly leaving the majority of it on the branch floor.

Lead-To-RM Drift

Cycle-Time Drag

Post-Sale Vacuum

Disconnected Stack

What this unlocks for you, before the next audit cycle.

One relationship = multiple revenue streams. Let your growth be engineered clearly, not hoped for.

Faster issuance. Lower acquisition cost.

Renewal strength, built from day one.

Propensity, lapse and next-best-action, on one model.

Outcomes you pay for. Not infrastructure you maintain.

Where banking signals, insurance offers and renewal moments finally share a record.

Bank, insurer, broker, agency. One door, every player walks through.

Joint product-launch programmes orchestrated across bank and insurer governance.

Tied agents certified before the next IRDAI circular hits.

Walk the customer through the complex application, side by side.

Where bank customers become an insurance community of their own.

Policy status, premium reminder and claim update, without the agent call.

Bank-insurer collaboration with IRDAI and DPDP audit trail built in.

AI woven into every stage. Owned by the actuary. Auditable by the regulator.

BANCA, in your team’s pocket.

Your banca dividend.

2.8× premium growth. 65% lead conversion lift. 3.4× LTV uplift.

45% lower cost per policy. Pay-per-use service. Zero capex burden.

Composable, cloud-native, CBS-friendly, regulator-ready.

4× RM productivity. Sub-day issuance TAT. 80% reduction on lead-to-policy cycle.

Persistent intelligence woven into every step.

Unified audit, DPDP, PII, access, DLP and archiving fabric.