From the first enquiry to disbursal, renewal and the referral, on one platform
Office24by7 runs the whole customer-acquisition and servicing lifecycle on a single record — campaign spend, every conversation, the application, the KYC, the EMI or premium, the complaint, the renewal and the referral. Nothing is lost between marketing, the branch and the advisor — and it stays alongside your core / LOS / LMS, never replacing your underwriting.
Banks & NBFCs (lending) · life, health & general insurance · wealth & broking · fintech · DSA & agent networks · aggregators
DPDP compliant, with India-only data residency · KYC and financial data handled as sensitive personal data · built for regulated financial communications, alongside your existing core / LOS / LMS
One record per applicant, moving through the funnel — the same journey the fourteen steps below describe. Illustrative data.
One platform, tuned to your kind of institution
The lifecycle is the same; what changes is the product, the regulator’s language and the distribution model. Here is what shifts for each.
Banks & NBFCs (lending)
Secured and unsecured loans at scale: pre-check routing, KYC and document workflow, file assembly for underwriting, and a validity clock on every sanctioned offer.
Life, health & general insurance
Proposal capture, issuance handover and renewals — issuance always decided by your team. See the dedicated Insurance page for the full insurer flow →
Wealth & broking
High-velocity enquiries, KYC and onboarding, portfolio review scheduling, and cross-sell worked deliberately across products.
Fintech, DSA & agent networks
Aggregator and partner lead feeds, DSA and POSP portals with payout on disbursed or issued business only, and one funnel and one report across every channel.
Three places every lender and insurer loses customers and money
Spend you cannot trace to a disbursal
The hoarding, the newspaper insert, the aggregator listing and the DSA campaign all produced enquiries. Nobody can say which produced disbursed loans or issued policies, so the same budget gets repeated next quarter on faith.
A desk buried in leads nobody validated
Aggregator leads that are duplicates, missed calls at lunch, after-hours enquiries lost, applications abandoned at KYC — while a serious applicant waits two days for a call back and takes the offer from the NBFC down the road.
Everything after disbursal run on memory
EMI and renewal reminders that depend on someone remembering. Early delinquency spotted only after a bounce. Renewals assumed rather than worked. The happiest customer on the book never asked for a top-up and never gave a referral.
One connected flow: Marketing → Pre-sales → Sales → Post-sales
Four phases on one record, with two layers woven through every one of them — Communication and Support — and a loop that feeds the next Marketing cycle.
Marketing
Get enquiries in — tracked, and clean · Steps 1–3
Your DSAs (Direct Selling Agents), connectors and BD reps source prospective-customer leads from outside — open-market sourcing, corporate & employer tie-ups and aggregator leads. Every record is de-duplicated and validated, then assigned to the tele-calling desk for outbound calling. The DSA and the source are stamped on each record, so payout and cost per disbursal are measured per DSA, per branch and per campaign. It sources and coordinates — it never assesses credit or decides eligibility.
Pre-sales
Qualify and route into a real application · Steps 4–6
Sales
Convert the enquiry into a disbursed or issued customer · Steps 7–11
Post-sales
Service, retain, and be referred · Steps 12–14
Tap any step to see how it works. The handover is disbursal or issuance — the record changes role, not hands.
What each step actually does
Fourteen steps across the four phases. Click any step to expand it — or open one straight from the flow above.
Marketing
Get enquiries in — tracked, and clean · Steps 1–3
1Attract and track
Every campaign, every aggregator and every DSA gets its own way in — a tracking number, a QR code, a coded link or a vanity keyword. A hoarding near the branch catchment gets its own number so the location can be judged. An aggregator like BankBazaar or PolicyBazaar gets its own lead endpoint so the partner can be judged. Digital spend arrives by API; print, outdoor and DSA payouts are entered against the order. And Marketing runs two ways: inbound enquiries that come to you, and outbound sourcing where your DSAs, connectors and BD reps gather leads from outside — open-market sourcing, corporate & employer tie-ups and aggregator leads. Inbound or outbound, nothing runs without a way to measure it.
- ✓Campaign, placement and creative structure, so reporting goes deeper than ‘Google is working’
- ✓Tracking-number pools, dynamic QR codes you can repoint without reprinting, coded short links
- ✓DSA sourcing tracked per DSA, per branch and per campaign — field effort is measured, not guessed
- ✓Spend against results per placement — cost per enquiry the same week the campaign runs, cost per disbursal once the loan lands
2Capture everything, in one place
Web forms, missed calls, IVR, WhatsApp, aggregator lead handoffs (BankBazaar, PolicyBazaar and the like), DSA and agent submissions, QR scans, the branch walk-in register, bulk uploads and field mobile capture all land in one inbox with the source stamped on arrival. This is where the two flows meet: inbound enquiries arrive on their own, and the outbound lists your DSAs, connectors and BD reps source from outside are uploaded in bulk, de-duplicated against existing records, validated, and assigned to the tele-calling desk for outbound calling — through the same inbox and the same gate.
- ✓Missed calls become enquiries with a callback task and an acknowledgement message
- ✓Aggregator and DSA leads land through one endpoint each, attributed to the partner on arrival
- ✓Outbound DSA lists uploaded, de-duped and assigned to the tele-calling desk for outbound calls
- ✓Source is locked at creation, so a later click can never erase the campaign or partner that started it
3Validate before anyone spends time
A gate at entry checks completeness, number format and duplicates. What fails goes to a correction queue owned by the person or partner who supplied it, not to the desk that has to work it. Repeat enquiries and existing customers are linked rather than duplicated, so a live customer is recognised as one.
- ✓Junk and incomplete rows never enter the funnel
- ✓Duplicate merge and existing-customer linking, so one applicant is one record across products
- ✓Data quality by source and partner becomes visible, which changes aggregator and DSA conversations
Pre-sales
Qualify and route into a real application · Steps 4–6
4Pre-check at the desk
A verification call captures what routing needs before an advisor is involved: the product needed, the indicative ticket size, income and eligibility indicators as the applicant declares them, KYC readiness, timeline, and any competing offers. This is an indicative pre-check for routing, not underwriting — it decides who works the file and how fast, never whether credit is granted. Underwriting decides that later, and a person signs it.
- ✓The essentials captured once — pre-qualified is a routing checklist, not a credit decision
- ✓A fixed disposition list, a reachability ladder across calling windows, and recordings on every call
- ✓Every ‘not now’ exits to a named resting state with a follow-up date — took another offer, deferred, documents not ready, out of policy
5Assign the right advisor
Routing on product, location, language and current load, so the applicant speaks to a relationship manager or advisor who can actually help them, in the language they prefer.
- ✓Advisor 360 view opens with the product, the recording and the declared indicators already on it
- ✓No applicant is asked the same questions twice
- ✓Load balancing that holds up in a month-end rush
6Counsel and needs analysis
The advisor explains options, shares an indicative quote or premium, and runs a needs analysis — the right cover, the right tenure, the right EMI. Objections and concerns are logged against a fixed list so patterns become visible instead of anecdotal. Any figure shared here is indicative; the sanctioned terms come from underwriting.
- ✓In-person, phone or video, with reminders to everyone who needs them
- ✓Indicative quote, premium or EMI illustration, clearly marked as subject to underwriting
- ✓Objection intelligence: which concerns — rate, tenure, competing offer — cost you the most conversions
Sales
Convert the enquiry into a disbursed or issued customer · Steps 7–11
7Run the meeting as an event
Branch appointment or video meeting: booked, reminded, attended, followed up. The measure is meetings that happened, not meetings booked — because a booked slot nobody chased is how the funnel flatters itself.
- ✓Slot booking with advisor allocation and arrival marking
- ✓Same-day call and rebook on a no-show
- ✓Post-meeting feedback and next step captured while it is still fresh
8Application and KYC without the chasing
The application is a workflow that holds the offer until the file and e-KYC are complete. Document verification and e-KYC run as steps with status per item, and the chasing is done by cadence, not by a person remembering.
- ✓Pending-document and e-KYC reminders with an upload link, on the channel the customer uses
- ✓Status per document and per KYC check, with remarks and re-upload requests
- ✓Product and route captured as fields, because secured, unsecured, co-lending and insurance routes behave differently
9Underwriting and verification
Credit and risk assessment happens here — by your underwriting system or your team. The platform assembles the file, chases the missing document, records every check and shows who did what. It never approves, rejects or scores credit on its own: an underwriter or an authorised person decides, and the audit trail proves it.
- ✓The complete file assembled and handed to underwriting — nothing chased by memory
- ✓Every verification, deviation and approval recorded with owner, timestamp and reason
- ✓No automated credit decision of any kind — AI drafts and assembles, an underwriter decides
10Sanction, disbursal and issuance
The sanctioned offer carries a validity clock. Deviations and concessions route through an approval matrix with a full audit trail. e-sign and e-mandate go on every touch. When validity expires, the sanction lapses and a follow-up opens instead of the record sitting blocked.
- ✓Deviation and concession approval with amount, reason, approver and decision recorded
- ✓Offer-chase cadence to the customer before expiry, with e-sign and e-mandate links
- ✓Disbursal or policy issuance triggered on your core / LOS / LMS — the platform tracks it, your system executes it
11Disbursed / issued — the same record, converted
Disbursal or policy issuance is the handover. The enquiry becomes a customer in place: contacts, consents, documents and the entire conversation history carry forward, and the customer is written back to your core / LOS / LMS so nobody types it twice.
- ✓Zero re-keying between the sales desk and the core / LOS / LMS
- ✓Source ROI closed out — cost per disbursed loan or issued policy by campaign, aggregator, DSA or referral
Post-sales
Service, retain, and be referred · Steps 12–14
12Onboard, service and collect
Welcome journeys, mandate and auto-debit set-up, EMI and premium reminders with a human escalation ladder. Statements and receipts delivered on consent. A service desk with categories, an SLA clock and escalation to the branch manager and product head.
- ✓Pre-due reminder, due-day message, then relationship manager, branch manager, product head, management — each with an owner and a window
- ✓Receipts and statements on every payment, part payments supported, foreclosure and refund against a published rule
- ✓Customer complaints stop dying in WhatsApp groups and start carrying a clock
13See the risk coming
EMI and renewal delays, early-warning delinquency signals and open complaints combine into one risk band that always shows its reasons. This is an engagement and collections signal, not an automated credit decision — it decides who to call and how urgently, never a customer’s creditworthiness. A cadence attaches to it: relationship manager call, reminder, restructuring conversation, a check-in from the desk.
- ✓Risk with reasons, never a bare number — and never an automated credit or eligibility decision
- ✓The intervention and its outcome recorded, so you learn what actually cures a delinquency or saves a renewal
- ✓Management sees how many accounts are slipping and what is being done about each one
14Renew, cross-sell, then be referred
Renewals are worked, not assumed — a renewal pipeline with owners and stages opens before the premium or the EMI cycle closes. Top-up loans and cross-sell offers surface against eligibility as a suggestion for the advisor. Every referral carries attribution back to the customer, DSA or agent that sent it.
- ✓Missed-renewal reasons captured, so the pattern is fixable
- ✓Top-up, cross-sell and referral pipelines worked deliberately rather than by luck — the offer suggested, a person decides
- ✓Referral cost per acquired customer — almost always the lowest number on your marketing report
Even the DSA and the aggregator can be measured
… provided the tracking asset — a code, a number, a QR — is on the creative before it goes out.
| Group | Sources | How each is tracked |
|---|---|---|
| Paid digital and social | Meta, Google, YouTube, regional platforms, influencers | Lead payloads with campaign, ad set and creative IDs; coded links; click-to-WhatsApp reference codes |
| Organic and owned | Search, website, Google Business Profile per branch, WhatsApp, email, SMS, RCS, push | Tracking numbers on each profile, coded links per send, form-to-campaign mapping |
| Aggregators and marketplaces | BankBazaar, PolicyBazaar, Paisabazaar and comparison portals, bancassurance tie-ups | One lead endpoint and one tracking number per aggregator; commission or contract recorded as spend |
| DSA, agents and channel | DSA networks, insurance agents, POSP, connectors, staff referral | Referral codes and links with attribution to the DSA or agent; a partner portal with payout on disbursed or issued business only |
| Print and broadcast | Newspaper display and insert, magazine, TV, radio, cinema | A tracking number and QR unique to the publication, edition, channel or slot; a spoken keyword for radio |
| Outdoor and local | Hoardings, bus and auto branding, branch-front signage, pamphlets in the catchment | One number and one QR per site or distribution zone — so the location itself is the campaign |
| Referrals | Existing-customer referral, family, corporate and payroll tie-ups | Referral codes and links with attribution to the referring customer; recognises existing customers only |
Three rules the page states plainly
- One tracking asset per creative per placement. A number reused across two DSAs measures nothing.
- Source is locked when the enquiry is created. Later touches are recorded as assisting, never as replacements — otherwise awareness media gets written off for work it did.
- What cannot be tracked directly is reported as modelled contribution, in a separate column, clearly labelled as an estimate.
The trap this catches: an aggregator or DSA with the lowest cost per enquiry and the highest cost per disbursal is the most expensive source you have — and usually the one being scaled.
Built on Lead Tracker, Visitor Tracker and Digital Marketing.
One layer, every channel your customers use
The Communication layer runs across Marketing, Pre-sales, Sales and Post-sales — both ways. It sends (campaigns, reminders, the document-and-e-sign chase, EMI and premium reminders, receipts and statements on consent) and it answers (the conversational bots below), all on the same channels, opt-in and DLT-compliant by default.
The conversational front line
Voice bot for the calls you miss
After-hours and missed calls are answered, and EMI, premium and document reminder sweeps run at scale — in the customer’s language. It always says it is automated, and it never quotes a sanction or approves anything.
- ✓Missed-call and after-hours enquiries answered and logged, source stamped on arrival
- ✓EMI-due, premium-renewal and pending-document reminders dialled at scale
- ✓Speaks Hindi, Telugu, Tamil, Kannada, Marathi and more — the customer chooses
- ✓Every call recorded, transcribed and summarised onto the record
Hands to an advisor the instant eligibility, a sanction, a dispute or a complaint comes up.
Explore the Voice bot →WhatsApp bot that follows the rulebook
The channel customers actually read. Opt-in enforced, approved templates and session windows honoured — with document uploads, e-mandate and payment links and statements on consent in the thread, and an advisor able to take over mid-conversation.
- ✓Click-to-WhatsApp campaign references captured for attribution
- ✓Document upload and e-KYC completed inside the chat
- ✓EMI and premium payment, and e-mandate set-up, with confirm buttons
- ✓Statements and receipts delivered on request, with consent
Your advisor takes over the same thread without losing a word of history.
Explore the WhatsApp bot →Chat bot grounded in your own content
On your website, answering from your approved products, rates and eligibility criteria — not invented, and never a credit decision. It captures the enquiry inside the conversation and passes a full transcript to an advisor when it should.
- ✓Answers grounded in your approved products, rates and eligibility notes, with the source shown
- ✓Captures name, product and contact without a separate form
- ✓Explains documents and process, and starts the application in the chat
- ✓Takes the document upload and books the advisor callback
Escalates to an advisor with the whole transcript attached — the customer never repeats themselves.
Explore the Chat bot →Used at every phase — capture and campaigns in Marketing, reminders and calls in Pre-sales, the document-and-e-sign chase in Sales, and the service and collection bots in Post-sales. Cloud telephony with tracking-number pools, click-to-call, missed-call capture and voice broadcasting sit behind it. See Omnichannel Communication.
A service desk that carries a clock
A question at enquiry, a document query during underwriting, an EMI or claim issue after — every request from any phase becomes a ticket with a category, an owner and an SLA, and a clear escalation ladder when it needs to move. Complaints stop dying in WhatsApp groups.
- ✓Categories, priorities and owners on every request — nothing stays a loose message
- ✓An SLA clock on each ticket, with breach alerts before it is too late
- ✓A customer-visible status portal, so ‘where is my sanction / statement / refund?’ answers itself
- ✓The WhatsApp service bot deflects statements, EMIs and routine requests first
- ✓CSAT and feedback captured on resolution, so service quality is measured, not assumed
- ✓A knowledge base the bot and the desk answer from — one source of truth
Escalation runs help desk → relationship manager → branch manager → product head → management — each with an owner and a window. Runs on Ticketing with a Customer Portal.
AI that proposes. Your underwriters and people who decide.
AI is one of the three layers woven through the flow — it assists at ten of the fourteen steps, flagged with the AI marker above. Communication and Support are the other two, each with its own section. It reads and writes the busywork and tells you what is coming — and it never approves credit, decides eligibility or issues a policy. A person decides every one of those.
Comprehension — the busywork, read and written for you
The reading, typing and matching that used to eat an advisor’s day.
Document intelligence
PAN, Aadhaar, bank statements, salary slips and ITRs are read the moment they are uploaded — fields extracted, name and date of birth checked against the enquiry, expiry and blur flagged. The file completes faster and the advisor verifies instead of typing. It reads and assembles paperwork for underwriting; it never scores or decides the credit itself.
Call summaries and disposition
Every advisor call is transcribed, summarised and its disposition drafted — concerns tagged against your fixed list and the next step proposed. After-call typing drops, and call quality is scored against your own scorecard rather than sampled by hand.
A copilot for the advisor
An advisor asks in plain language — the rate for a product, the premium at a cover, the documents a route needs — and gets an answer grounded in your approved content and the live record, with the source shown. It drafts the reply; the advisor sends it. It answers on products and process only, never a credit or eligibility decision.
Duplicate and existing-customer resolution
Fuzzy matching links repeat enquiries, existing customers and re-submissions into one record instead of four rows — so spend is never double-counted and one customer is never worked by three desks at once.
Foresight — analytics that say why
Never a bare number, and never an automated credit decision. Every score and forecast shows the factors behind it, and stays a signal for a person.
Campaign suggestions and ROI
Cost per disbursed loan or issued policy is computed for every placement — campaign, aggregator, DSA or referral — not estimated. From it the system proposes next quarter’s moves: scale the partners that convert, cut the source with the lowest cost per enquiry but the highest cost per disbursal. It recommends the budget shift with the numbers behind it; your marketing head signs off.
Lead scoring, with reasons
Each enquiry carries a score and the factors behind it — source quality, declared income band, engagement, KYC readiness — so the desk works the right rows first and can see why. This score prioritises effort for a person; it is never a credit score, an eligibility ruling or an automatic accept or reject.
Disbursal and collection forecasts
Where the month’s disbursals will land, and how much of the EMI and premium due will actually arrive, each with a confidence band, so a shortfall is visible in week two, not discovered at month-end.
Delinquency and lapse risk, with its factors
EMI and renewal delays, early-warning signals and open complaints combine into one engagement risk band that always shows its reasons, and a collections or retention cadence attaches before the account slips. It flags accounts to work, never an automated credit or eligibility decision.
Complaint and feedback themes
Service tickets and feedback are clustered on their own, so a systemic problem — a broken mandate flow at one branch, a mis-sold rider, a recurring grievance that costs customers — surfaces instead of hiding in a thousand threads.
What the AI layer never does
The AI layer never approve or reject credit, decide an applicant’s eligibility, underwrite or price risk, issue or decline a policy, present itself as a human or a licensed advisor, treat an internal score as anything more than a signal for a person, or make a rate, return or approval claim your institution cannot evidence. Every credit, eligibility and issuance decision is made by an authorised person, and every automated output records the model that produced it and the data it was grounded on. For a BFSI buyer, stated limits build more confidence than stated capability. See the AI Intelligence Layer and AI Studio.
It works with what you already run
Your core / LOS / LMS
Application, sanction and repayment signals in; enquiry, coordination and servicing data out. Your loan origination, underwriting engine and books of record stay exactly where they are.
Advertising platforms
Meta and Google lead capture and spend in; qualified and disbursed events pushed back so the platforms optimise for customers instead of form fills.
Communication
Cloud telephony and tracking-number pools, WhatsApp Business, DLT-registered SMS, RCS, email and push.
Response capture
Website forms and landing pages, dynamic QR and short links, chat, aggregator lead feeds, DSA and agent portal, field mobile app.
Money and mandates
Payment gateway for EMI and premium links; e-mandate, e-NACH and e-sign handover; accounting handover for media invoices and collections.
Anything else
Open API and webhooks, so a source or system with no native connector still lands in the same funnel.
See all integrations, browse the marketplace, or build your own on the open API.
More than a CRM that stops at disbursal
| What matters | Office24by7 for BFSI | A generic lending CRM |
|---|---|---|
| Continues after disbursal | Servicing, collections, renewal, cross-sell and referral on the same record | Stops at disbursal — a separate system runs the rest |
| Marketing spend | Attached to the record — cost per disbursed loan or issued policy is computed | No attribution — ROI stays a guess |
| Built for regulated finance | DPDP alignment, KYC as sensitive data, DLT and DND compliance by default | Generic consent, compliance bolted on |
| AI | Proposes and assembles; your underwriters and people decide — it never approves credit, and every output is evidenced | Black-box scores with no audit trail |
| Your data | Stays with the institution when an advisor or DSA leaves | Often tied to the vendor or the individual |
Priced to start small and grow with you
Priced per branch and by the modules you switch on. Begin with a single-product pilot, then expand product by product and branch by branch.
One product, one branch
- Core funnel & capture
- AI pre-check at the desk
- Your five numbers baselined
Multi-branch, full lifecycle
- Everything in Pilot
- AI layer, campaign ROI & forecasts
- Integrations & service desk
Bank, NBFC or insurer at scale
- Everything in Growth
- SSO & advanced security
- Custom apps & dedicated success
Indicative packaging — final pricing is shared after a short scoping call. See plans, estimate your ROI, or talk to sales.
Built for regulated financial communications, and for sensitive KYC data
Data residency
Your data stays in India, with retention and erasure handling aligned to the DPDP Act 2023.
KYC and financial data as sensitive
KYC and financial information — PAN, Aadhaar, bank statements, income proof — is handled as sensitive personal data. Consent for marketing is recorded as evidence — purpose, channel, timestamp and withdrawal — and statements are shared only on the customer’s verified consent.
Channel compliance
DLT-registered SMS templates, WhatsApp opt-in and template approval, DND scrubbing, unsubscribe honoured, and a single suppression list respected across every channel.
Frequency discipline
Caps applied across call, WhatsApp, SMS and email together, so one customer is never hit by four systems in a day.
Access control
Scoped by branch, product and role. A branch manager sees their branch. DSAs and agencies see their own leads and never your customer book.
Records stay yours
The institution’s data stays with the institution when an advisor, DSA or field representative leaves.
Governed on the Security & Access layer — India residency, DPDP alignment and role-based control by default.
What you will measure from week one
Meetings attended, not just booked
EMIs and premiums collected on time
Cost per acquired customer by source, aggregator and DSA
Renewals and top-ups secured before they lapse
Ask us for a reference call with a lender or insurer like you — and we baseline your own five numbers on one branch or product in week one, so every figure here is measured, not asserted.
Four questions you should be able to answer in ten seconds
What did each acquired customer cost us, by source, campaign, aggregator and DSA?
How much of the EMI and premium due have we actually collected this month?
How many accounts are we about to lose to delinquency, lapse or missed renewal, and what is being done?
How much of next quarter is already secured — renewals, top-ups, cross-sell and referrals?
If answering any of these takes a week of reconciliation, the problem is not reporting. It is that the four answers live in four places.
The questions that decide a BFSI deal
No. Your core banking, loan origination system, underwriting engine and books of record keep doing exactly that. Office24by7 owns the enquiries, conversations, applications, KYC coordination, servicing and lifecycle around them, and integrates both ways so nothing is entered twice.
No, and this is deliberate. The AI layer never approves or rejects credit, decides eligibility, underwrites risk or issues a policy. It reads documents, drafts notes, assembles the file and flags accounts to work — and hands every credit, eligibility and issuance decision to an authorised person, with a full audit trail of who decided.
KYC and financial information is handled as sensitive personal data under the DPDP Act 2023. Consent for marketing is recorded as evidence, access is scoped by role and branch, DND scrubbing and DLT templates are enforced, and statements are shared only on the customer’s verified consent.
No. Office24by7 is a software platform built for regulated financial communications — it does not lend, underwrite or issue policies, and it holds no RBI, IRDAI or SEBI licence. Your institution remains the regulated entity; we run the acquisition and servicing workflow alongside it.
Yes, when the tracking asset is on the creative — a unique code, number, QR or lead endpoint per aggregator, DSA or campaign. Cost per disbursed loan or issued policy is then computed per source, and what cannot be tracked directly is reported separately as modelled contribution.
A focused pilot on one product and one branch, with your five key numbers baselined in the first week so the result is measured rather than asserted.
Download the 14-step BFSI playbook
The full customer-acquisition & servicing lifecycle — the two Marketing flows, the DSA network, cost per disbursal, and the AI, Communication & Support layers. Tell us where to send it, or book a walkthrough.
Priced per branch and by the modules you switch on — see plans or talk to sales.
Start with one product and one branch
We baseline your five numbers in week one, run the flow end to end for a single product at a single branch, and show you the difference against your own starting point — not against a case study.