Zopper has announced the launch of ZENOVA, an agentic bancassurance operating layer designed to transform how banks distribute insurance products.
ZENOVA embeds suitability, disclosure, and evidence generation directly into every insurance sale, helping reduce mis-selling risks across all customer touchpoints. The platform is powered by Zopper’s API-first, multi-insurer infrastructure, already deployed at scale with banks and BFSI players across India, and can be configured to align with institutional policies and architecture without requiring multi-year build cycles.
The launch comes amid the evolving Responsible Business Conduct framework, under which mis-selling carries direct financial implications, including refund and compensation obligations, placing fiduciary responsibility on distributing banks.
ZENOVA operates as a policy-driven control layer between core banking systems, insurer platforms, and customer-facing channels. It orchestrates the entire insurance journey, including customer profiling, needs assessment, suitability scoring, disclosure, consent, issuance, and post-sale verification, while generating regulator-grade evidence for each transaction.
Suitability is embedded by design through board-approved rules translated into executable logic, ensuring every sale undergoes a rigorous compliance check. The platform also creates a unified, time-stamped evidence record for each transaction, capturing interactions, consents, recordings, and verification outcomes, enabling easy retrieval for audits and regulatory reviews.
Consistent conduct is maintained across channels, including branches, applications, contact centres, and messaging platforms, ensuring uniform standards of suitability and disclosure.
“Banks that choose to re-platform onto ZENOVA will not only meet the next wave of conduct supervision, but they will set the benchmark for what responsible, profitable bancassurance looks like in India,” said Surjendu Kuila, Co-founder and CEO, Zopper.
Bragadish Sureshkumar, Chief Technology Officer, Zopper, added, “ZENOVA is built for a world where banks are expected to prove, not just claim, that every sale was done right. By combining agentic AI with a deep, evidence-first architecture, we give institutions a single platform that can orchestrate journeys in real time and still leave a clear audit trail for every recommendation, interaction, and decision.”
Zopper has raised $125 million to date from investors including Creaegis, Bessemer Venture Partners, ICICI Venture, Blume Ventures, Elevation Capital, and Dharana Capital. With a team of over 600 professionals, the company plans to expand its market presence in India while exploring global expansion and strategic acquisitions in emerging markets.
The company has also been integrating AI and generative AI across underwriting, sales optimisation, fraud detection, and customer servicing through its Digi-Banca platform, which provides a unified technology stack for insurers and banks.
Zopper aims to simplify insurance and embed it within everyday consumer journeys by leveraging technology to streamline underwriting, reduce issuance time, and design tailored micro-products across digital commerce, lifestyle, and financial services ecosystems.
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