Raspadinha Capi "Capi Scratch Card" Qorus-NTT DATA Innovation in Insurance Awards 2025
BrazilCategory
Re-imagining the Customer ExperienceKeyword
Customer experience, Customer service, Digital channels & Omnichannels, Marketing & sales, GamificationBusiness Line
Income protectionDistribution Channel
Online / Direct
Innovation presentation
Capitalization is a savings product where an individual or company can accumulate capital over time while benefiting from a monthly prize draw. This process involves making monthly or one-time payments. In Brazil, capitalization is regulated by SUSEP (Private Insurance Superintendence) and is sold by companies like Bradesco Seguros. Due to its nature, we categorize this product under "Income Protection" as it aligns with fostering financial discipline. It is a unique product in the Brazilian market. Globally, it bears some similarity to Premium Bonds in the UK and Prize-Linked Savings Accounts in the US.
The project use an agile methodology with multidisciplinary teams. Creation of a digital experience that simulates the physical sensation of scratching a card. Integration of instant prizes and other rewards throughout the product's duration.
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