Financial Intelligence‑as‑a‑Service

Supercharge acquisition and retention with financial intelligence at the core.

zapIQ adds the financial context your CRM doesn't show — affluence, propensity and persona — so you reach the right customer, at the right moment, with the right offer.

<100MS RESPONSE · DPDP-COMPLIANT · ZERO PII LEAVES YOUR PERIMETER

<100ms
API response time
ISO 27001
Certified posture
DPDP
Compliant & zero-knowledge

BUREAU-LICENSED AT SOURCE  ·  ZERO PII LEAVES THE PERIMETER  ·  ZERO-KNOWLEDGE READY

Acquire · Retain · Revive

Reach the right customer, at the right moment, with the right offer.

One first-party financial-intelligence layer powers every growth motion — from net-new acquisition to wallet share within your own book.

The platform

Everything you need to engage your customers.

Six products, one financial-intelligence core — so every offer, reward and campaign lands with the customers who matter.

Boost customer spending

Offers Engine

Custom offers, targeted by financial fit — for businesses of every size.

  • Create, customise & rule-base offers
  • Target by affluence & propensity, not guesswork
  • Deliver across app, web & partner channels
  • Real-time alerts & analytics

Drive growth

Gift Cards

Gift-card programs on autopilot.

  • Define issuance & redemption rules
  • Distribute to high-propensity segments
  • Redeem across offline & online channels
  • Detailed insights & analytics

Build lifetime customers

Loyalty Wallet

Drive repeat business with rewards.

  • Rewards, refunds & gift cards in one place
  • Cut campaign-operations cost
  • Omni-channel wallet acceptance
  • Automated reports & reconciliation

Perfectly-timed engagement

Contextual Marketing Suite

Campaigns that fire at exactly the right moment.

  • Build, run & optimise end-to-end
  • Hyper-targeted on financial intelligence
  • Reach the touchpoints that matter
  • Low-code, quick to integrate

Redefine retention

Enterprise Loyalty Suite

End-to-end loyalty for large books.

  • Self-serve rewards portal
  • Wide redemption coverage
  • Seamless customer experience
  • Omni-channel & hyper-local offers

Embed credit

zapLoans

Personal loans, customised for your customers.

  • Pre-qualified by real affluence & capacity
  • Embed lending into your own journeys
  • Right limit, right rate, right customer
  • Higher conversion, lower risk

Works with your stack

Plugs into the tools you already run.

Acquisition & media
Reach
PAID · PROGRAMMATIC
zapIQ Intelligence
Financial truth.
AFFLUENCE · PROPENSITY · PERSONA
Your CRM · LOS · Ad manager
Activation
ENGAGE · ORIGINATE

Jarvis · the self-serve platform

One analyst. One browser tab. End-to-end intelligence in minutes.

Look up a customer, build a persona, and activate an audience — all in one place, no SQL required.

🔒 jarvis.zapiq.in/workspace/acme/personas/new
PM
WORKSPACE › PERSONAS › NEW PERSONA
✓ Upload ✓ Select lens 3 Build audience 4 Export
SELECTED LENSES
Affluence : HNI+ ×
Persona : High-intent ×
Asset : Home owner ×
Age band : 32 – 50 ×
Geo : Tier-1 metros ×
+ Add lens
MATCHED CUSTOMERS · LIVE LIVE
2,46,830
of 38.4 L in your book
58% TIER 1 · 1,43,162 29% TIER 2 · 71,581 13% TIER 3 · 32,087
AVG PROPENSITY
0.71
EST. ROAS LIFT
3.2×

ZERO DATA-ENG TICKETS  ·  SAME-DAY TRAINING  ·  NO SQL REQUIRED  ·  ONE PERSON · ONE WORKFLOW

Real voices, real impact

Founders are already asking for this.

Bengaluru · Premium health-tech

FOXO

"Use the financial overlay to qualify the premium tracker buyer before we ever spend on media."

Use case · Pre-qualification

Bengaluru · Climate-tech

Arkahub · rooftop solar

"Find me affluent customers in independent houses across Bangalore and Hyderabad, interested in premium high-efficiency rooftop solar."

Use case · Affluent homeowner targeting

Health · Embedded cross-sell

Alyve

"Financial intelligence let us attach health cover to the right customers inside journeys we already ran — growth with no new acquisition spend."

Use case · Embedded cross-sell

Security & compliance

Built so your InfoSec team says yes.

Architecture

Zero-knowledge by design

Your records are SHA-256 hashed before anything leaves your perimeter. We hold match keys, not raw PII.

Compliance

DPDP-aligned, ISO 27001

India data residency, audited bureau licensing, and an audit log for every trait, push, and export.

Sourcing

Licensed at source

Bureau-licensed feeds, behavioural signals from licensed partners, and first-party group data exhaust.

Exit

Destroyed on conclusion

Pilot records are destroyed within seven days of conclusion, with the audit log shared to your security team.

Get started

Ready to build lasting relationships with your customers?

See zapIQ on your own data — a guided session with our team. Your data never leaves your perimeter.