What is Finance & Insurance Offers Hub?

Finance & Insurance Offers Hub is a multi-provider, multi-product orchestration layer for credit and insurance.
It lets banks, leasing companies, BNPL providers and insurers publish their offers once and distribute them across marketplaces, dealer systems, real-estate platforms and other ZPlatform products.

For front-end channels—such as Used & New Car Marketplace, Real Estate Platform (Amlakify), Service & Maintenance Booking, and other ZPlatform apps—it acts as the embedded “Offers Engine”: customers see pre-filtered, relevant finance and insurance options directly in their purchase journey, without leaving the platform.

Core modules

• Product & Offer Catalog
  Central definition of loan, lease, credit-card, warranty and insurance products with eligibility rules, pricing parameters and underwriting constraints.

• Partner & Provider Portal
  Workspace for banks, leasing firms, insurers and brokers to configure products, campaigns, risk rules and approval workflows.

• Embedded Offer Widgets & APIs
  Ready-made UI components and REST APIs to surface offers inside marketplaces, dealer CRMs, real-estate booking flows and other digital channels.

• Quote & Comparison Engine
  Real-time quoting across multiple providers, with side-by-side comparison of rates, tenors, upfront costs, coverage, exclusions and total cost of ownership.

• Application & KYC Flows
  Configurable forms, document upload, e-KYC/e-signature hooks and status tracking from “quote” to “approved” and “active”.

• Policy & Contract Issuance
  Automated generation and delivery of contracts, policies and certificates once offers are accepted.

• Renewal, Upsell & Cross-Sell
  Rules for renewals, top-ups, refinancing and add-on products (warranties, GAP, service contracts) triggered at the right moment.

AI capabilities

• Eligibility & Pre-Approval Scoring
  Uses available customer, asset and transaction data (where permitted) to pre-qualify users and show “likely-to-approve” providers first.

• Offer Ranking & Personalisation
  Orders offers by likelihood of acceptance, overall value, risk appetite and partner priorities, while allowing transparent sorting (price, term, coverage).

• Risk & Fraud Indicators
  Flags unusual application patterns, inconsistent data and high-risk behavior for manual review.

• Document Intelligence
  Helps extract key fields from uploaded documents (payslips, IDs, property docs, invoices) and pre-fills application forms for providers to validate.

• Insight Summaries
  Generates plain-language summaries of complex loan and policy details so customers understand commitments, not just rates.

Analytics & reporting

• Conversion & Funnel Views
  Track how many users see, click, compare, apply and get approved for finance and insurance offers by channel and partner.

• Partner Performance Dashboards
  Approvals, funding times, decline reasons, NPS and retention by bank, insurer and broker.

• Product Mix & Margin
  Analysis of mix between loan types, terms, insurance products, add-ons and their contribution margins.

• Risk & Portfolio Health (aggregated)
  Aggregated risk indicators (without exposing provider secrets) to inform joint campaigns and product tuning.

• Exports & APIs
  Scheduled reports, CSV exports and programmatic access for BI tools, regulators and internal strategy teams.

Integrations & standards

• ZPlatform Vertical Integrations
  Native hooks into Amlakify (real estate), Used & New Car Marketplace, Dealer CRM & Test-Drive Scheduling, Service & Maintenance Booking and other ZPlatform apps.

• Core Banking & Insurance Systems
  Connectors to LOS/LMS, policy administration systems and underwriting engines via APIs or secure file exchange.

• KYC/AML & Identity Providers
  Integrations with e-KYC vendors, ID verification, sanctions screening and address validation services.

• Payment & Collection Gateways
  Links to gateways for down payments, premiums, instalments and recurring billing.

• Standards & Data Models
  Structured product and offer schemas designed to be extended for new sectors (auto, real-estate, SME, education, health).

Security, privacy & compliance

• Secure by Design
  Encryption in transit and at rest, hardened authentication and access controls, and segmented environments for partners.

• Role-Based Access Control
  Fine-grained permissions for channel owners, providers, brokers, underwriters and operations teams.

• Data Protection & Consent
  Configurable consent capture, purpose limitation and retention policies aligned with local data-protection rules.

• Auditability
  Full audit trails for changes to products, pricing, approvals, declines and system decisions.

• Reliability & Continuity
  High availability setup with backups and disaster recovery options so critical credit and insurance workflows remain online.

Accessibility & localization

• FA/EN & RTL Support
  Fully supports Persian (RTL) and English, with the option to enable other languages for regional rollouts.

• Local Market Logic
  Local currencies, tax treatments, fee structures, regulatory-driven disclosures and banking/insurance norms embedded in flows.

• Inclusive UX
  Clear layouts, readable comparisons and mobile-first screens for customers on low-bandwidth connections.

Architecture & scalability

• Cloud-Native & Modular
  Microservices designed for independent scaling of quoting, scoring, document handling and analytics components.

• High-Volume Ready
  Handles peaks during campaigns, seasonal car and housing sales, or regulatory programs without slowing down.

• Multi-Entity & Multi-Country
  Support for multiple partners, brands and jurisdictions with isolated data and tailored compliance settings.

Implementation & support

• Blueprint Implementations
  Pre-built patterns for auto finance, mortgage pre-approval, consumer loans and embedded insurance in e-commerce.

• Partner Onboarding
  Structured processes and tooling to onboard banks, leasing firms and insurers with minimal IT friction.

• Channel Enablement
  SDKs, widgets and example integrations for marketplaces, dealers, brokers and other ZPlatform products.

• Training & Documentation
  Guides for product managers, risk teams, developers and sales/partner teams.

• Support Tiers
  Standard and premium SLAs, with optional dedicated success teams for large banks, insurers and government programs.

Pricing & licensing (flexible)

• SaaS & Transaction Models
  Combination of platform subscription and usage/transaction-based pricing.

• Partner & Network Programs
  Commercial models tailored to consortia of banks, insurers or dealer/agent networks.

• Enterprise & Government Deals
  Custom contracts for public programs, national housing or SME credit initiatives.

• Add-On Modules
  Optional AI packs, additional integrations and white-label frontends.

Who uses Finance & Insurance Offers Hub?

• Banks, leasing companies and BNPL providers embedding offers into digital channels.

• Insurers and MGAs distributing protection products via partners.

• Marketplaces for cars, property and high-ticket goods.

• Dealer groups, brokers and real-estate agencies offering on-the-spot finance and insurance.

• Fintechs and super-apps looking for a unified F&I orchestration layer.

Why Finance & Insurance Offers Hub?

• Turns finance and insurance into a seamless part of the purchase journey.

• Reduces integration complexity by giving channels a single hub instead of many point connections.

• AI-enhanced matching improves approval rates and customer satisfaction.

• Built for FA/EN, RTL and regional banking/insurance realities.

• Deeply integrated with the broader ZPlatform ecosystem across auto, real estate and other verticals.

• Scales from a single marketplace to multi-country, multi-partner networks