Financial platforms hold the account, payment relationship and real-time context required to make protection relevant. Sending users into a separate insurance journey loses that advantage.
Digital platforms · Fintech & Payments
Make protection a native layer of financial life.
Gangkhar enables wallets, cards, banks, lenders and payment platforms to embed contextual protection into the financial moments their customers already trust them to manage.
Digital banks
Wallets and payment apps
Card programmes
BNPL and lending platforms
Remittance platforms
Merchant and SME fintech
The context
Fintech platforms already understand the transaction.
Gangkhar connects protection to the account or transaction while managing the insurance operation behind it.
The challenge
Bridge financial transactions and insurance operations.
Low relevance from generic insurance offers
Drop-off caused by external journeys
Disconnected premium collection and settlement
Complex licensing and compliance boundaries
Limited ability to optimise attachment
Operational burden across products and markets
The journey
Protection at relevant payment and finance moments.
Account onboarding
Offer protection aligned to the customer, account or financial product.
Payment or purchase
Attach contextual cover to a transaction without leaving the flow.
Credit activation
Protect repayment, income, device or purchase risks at the relevant moment.
Ongoing optimisation
Improve timing, eligibility and pricing using approved behavioural and portfolio signals.
Coverage opportunities
Products shaped around the real risk context.
Illustrative product opportunities are configured with the authorised insurer, MGA or capacity provider for each market.
Purchase and transaction protection
Device and card protection
Income and repayment protection
Travel and lifestyle covers
Fraud and cyber-related protection
SME and merchant protection
How Gangkhar solves it
Three connected layers. One governed operation.
Product intelligence, agentic execution and live optimisation work on the same infrastructure rather than as disconnected tools.
Sherpa+
Coordinates configurable products, quoting, policy administration, payments, claims and compliance across financial journeys.
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Sherpa+Mesh
Runs governed onboarding, servicing, reconciliation, renewals and claims workflows with a complete action trail.
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Sherpa+Lens
Optimises eligibility, pricing and offer performance using transaction, account and portfolio data within approved controls.
Explore Sherpa+LensOperating model
Clear roles. Configurable controls. Full traceability.
Protection is placed inside the existing financial journey.
The fintech maintains its interface and customer relationship.
Insurance operations and capacity coordination sit behind one integration.
Consent, data use and product rules remain explicit and market-specific.
Business impact
Add protection without interrupting the financial journey.
For the financial platform
- New revenue from existing relationships
- Higher product value and differentiation
- Improved attachment through contextual offers
- Lower operational complexity
- Faster product expansion
- Greater customer trust
For account holders and merchants
- Relevant protection at the right moment
- No separate insurance journey
- Clear payment and policy experience
- Simpler service and claims
FAQ
Questions about this Use Case.
Can protection appear inside a wallet or card journey?
Yes. Offers can be embedded in onboarding, payment, purchase, credit, subscription or account-management flows.
Who collects the premium?
The settlement design depends on the programme and jurisdiction. Gangkhar can coordinate premium collection, reconciliation and transfer through the approved model.
Can offers be personalised?
Eligibility, product configuration, pricing and timing can use approved contextual signals and remain governed by product and compliance rules.
Does Gangkhar become the regulated insurer?
No. Regulated responsibilities remain with the authorised entities defined for each programme.
Terms used on this page
- BNPL
- Buy Now, Pay Later: short-term financing integrated into a purchase journey.
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