Digitising Distribution & Agent Management

A working walk-through of what Veneka would put on top of Serene's existing platform — identity, collections, commissions, retention and self-service. Everything here is clickable. Nothing replaces your policy admin; we digitise the distribution around it.

Live OCR demo
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e-KYC Onboarding

Scan a Ghana Card on-device, auto-fill & lock the details, destroy the image, then verify the person against NIA — fraud killed at capture. Meets L.I. 2523.

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Premium & Subscriptions

MoMo/bank collection that binds cover the moment payment lands — plus opt-in anniversary auto-debit and automatic reconciliation. Built for "no premium, no cover".

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Commissions Engine

Rules-based commissions computed from collected premium, transparent agent statements, one-click payout. Replaces the manual spreadsheet — proven in live banks.

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Game-changer
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Retention

Portfolio + Subscription Manager: automated renewal journeys over SMS/WhatsApp/USSD with in-thread payment — engagement plus payment orchestration to stop lapse.

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Self-Service Kiosk

A proven Veneka product for insurance: buy, renew, verify and pay at a self-service terminal, sticker printed on the spot. Distribution beyond agents, 24/7.

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The Proposition

Who Veneka is, the whole picture across the agent lifecycle, where it fits on your stack, and the Ghana regulatory tailwinds — as a slide deck.

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Why now: biometric Ghana Card verification is mandatory under L.I. 2523 (2026) and the card may no longer just be scanned and filed; "no premium, no cover" is strictly enforced and paper cover notes are banned; and compulsory local marine cargo cover (Act 1061 s.222) is live. The digital rails Ghana already runs — the Motor Insurance Database, *920*57#, the Ghana Card, NIA and MoMo — are exactly what this suite plugs into.

Demo build for discussion with Serene Insurance. Ghana Card shown is a SPECIMEN with fictitious data. NIA responses and figures are illustrative. Veneka provides identity-capture, verification-integration, collections and payments infrastructure (PCI DSS Level 1); it does not replace policy administration.