ZENOVA is powered by Zopper’s API-first, multi-insurer platform, which is already deployed at scale with banks and BFSI players across India. This architecture allows institutions to configure their specific policies and architecture without the need for multi-year build cycles. The platform orchestrates every stage of an insurance interaction, including customer profiling, needs assessment, suitability scoring, disclosure, consent, issuance, and post-sale verification. As a byproduct of every transaction, the system generates a regulator-grade evidence file. Suitability is built into the system by design, with board-approved rules translated into executable logic to ensure every sale passes a rigorous suitability check without exception.
This technological advancement is supported by a unified evidence fabric, where each sale is captured in a single, time-stamped record comprising screens, consents, recordings, and Pre-Linkage Verification Call (PLVC) outcomes, making data instantly retrievable for audits, complaints, or regulatory review. Furthermore, ZENOVA enforces channel-consistent conduct by applying uniform suitability and disclosure standards seamlessly across branches, apps, contact centers, and WhatsApp. Mr. Surjendu Kuila, Co-founder and CEO of Zopper, stated that banks choosing to re-platform onto ZENOVA will not only meet the next wave of conduct supervision but will also set the benchmark for what responsible, profitable bancassurance looks like in India. Chief Technology Officer Bragadish Sureshkumar added that by combining agentic AI with a deep, evidence-first architecture, the platform allows institutions to prove that every sale was executed correctly through a clear audit trail for every recommendation and decision.
To date, Zopper has raised 5 million from marquee investors including Creaegis, Bessemer Venture Partners, ICICI Venture, Blume Ventures, Elevation Capital, and Dharana Capital. Supported by a 600-plus member team across technology, sales, strategy, and operations, the company plans to double down on Indian market penetration while pursuing global expansion and strategic acquisitions in emerging markets. Zopper has been actively integrating AI and Generative AI across underwriting, sales optimization, fraud detection, and customer servicing. Its proprietary Digi-Banca platform offers a unified, end-to-end technology stack that enables seamless integration and improved customer journeys. By leveraging technology to streamline underwriting, reduce issuance time to minutes, and design tailored micro-products, Zopper continues its mission to make insurance simple, contextual, and embedded within everyday consumer journeys, strengthening India’s insurance ecosystem through API-led infrastructure.
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