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Everything-as-a-Service

We are now living in the age of hyper-convenience, and the market for convenience (as-a-service) is soaring. For the better half of the last ten years, we have swiftly passed into the ‘as-a-service’ economy. The globalization of labour, highly disruptive business models and rapid consumerization have made the transition nearly inevitable. 

The heightened experience of ‘utility’ extends to both consumers and even businesses. From hailing a taxi or buying groceries to quick entertainment and daily productivity tools, everything is/can be made available as-a-service. So how did XaaS get to this point? — where it’s now the preferred operating model of choice for delivering any IT function as a service for consumption.

The ‘as-a-service’ concept is universally understood to be an analogue of cloud computing. It is predicted to be valued at nearly $344B by 2024, growing at 24% over the next five years.

The approach has been around since the ‘60s when SaaS quickly replaced the older ASP (Application System Provider) model. The real reason the ASP model failed? It wasn’t scalable. Gone are the days of buying licensed software products and lengthy on-site installation processes. In contrast, with SaaS, enterprises can buy and pay for what they use. By taking advantage of virtualization and cloud-based scalability — users access the same code base, while their data and customized interfaces are kept separate.


Towards the close of the millennium, Salesforce built the very first complete SaaS product, which is still today — one of the World’s most widely used customer relationship management (CRM) tools. 

Over the next ten years, SaaS quickly decentralized into Desktop; Data; Network; Security; Infrastructure; and Platform-as-a-service. Today, any core business function can be delivered through this model, such as Marketing, Banking, Healthcare, Appliances and Gaming among many others. 

Consumers, in the meantime, have become increasingly familiar with ‘use without ownership’ type of products including movies-as-a-service (Netflix, Hulu); communication-as-a-service (Whatsapp, Snapchat)

While companies like Uber & Grab have leveraged ‘service-as-a-product’ effectively — shifting the balance from car ownership to transportation-as-a-service; others like Joule have moved towards outcome-based pricing where users can subscribe to cars without any time limit.

The essence of XaaS is simply delivering a service over the Internet, rather than on-site. The most efficient way to do this is through the cloud. Being more cheaper and efficient, the cloud services model witnessed mainstream adoption only within the last decade. The real advantage stays the ability for companies to wholly deliver a one-click operation for the end-user. 

Tesla has already disrupted the automobile industry with its radical as-a-service concept: upgrade your car (software) for free, for life! Tesla is also planning to shift to pay-as-you-use models including autonomously renting out your car when you are on holiday. 

Consumers easily get behind this technology because it reduces any ownership risk and encourages more users to try these services at affordable and competitive pricing. This is how and why we have pizza-as-a-service today! Hence XaaS. 

How does XaaS help your business?

There are currently over 5.6 million professional and creative services companies in operation around the world. Technology is constantly evolving the state of how we do business, and the operating models we use today will have to adapt to innovations that disrupt tomorrow.

The Real Impact of XaaS

  1. The Cloud has moved beyond the “hype” realm into a digital must-have for any enterprise. Regardless of the size of the business, the cloud is your best bet for maximum scalability and mobility.

  2. One-to-many is now a customizable relationship, thanks to XaaS models that help you deploy services with precision and speed.

  3. Agile enablement calls for being nimble across software delivery. Create business value through incremental, sustainable, and measurable agility.

  4. Plug and Play allows for maximizing combined services, greater efficiency gains, and uptime — giving your business the autonomy to use services as and when you need.

  5. Resource & Cost-lax operations reduce major overheads by 3-5X by leveraging the right consumption-based models.

The move away from legacy business mechanisms, ties to the resource-intensive effort of shifting from selling products to selling capabilities. If the front office and back office aren’t aligned, the business will struggle to move forward.

Enterprises are increasingly looking to achieve results through as-a-service models—using hybrid delivery—that can be explicitly configured to deliver critical business outcomes in a short turnaround time. 

Talk to us today to learn how we are helping enterprises operate successfully in the digital world. Drop us a line here hello@mantralabsglobal.com   

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How Smarter Sales Apps Are Reinventing the Frontlines of Insurance Distribution

The insurance industry thrives on relationships—but it can only scale through efficiency, precision, and timely distribution. While much of the digital transformation buzz has focused on customer-facing portals, the real transformation is happening in the field, where modern sales apps are quietly driving a smarter, faster, and more empowered agent network.

Let’s explore how mobile-first sales enablement platforms are reshaping insurance sales across prospecting, onboarding, servicing, renewals, and growth.

The Insurance Agent Needs More Than a CRM

Today’s insurance agent is not just a policy seller—they’re also a financial advisor, data gatherer, service representative, and the face of the brand. Yet many still rely on paper forms, disconnected tools, and manual processes.

That’s where intelligent sales apps come in—not just to digitize, but to optimize, personalize, and future-proof the entire agent journey.

Real-World Use Cases: What Smart Sales Apps Are Solving

Across the insurance value chain, sales agent apps have evolved into full-service platforms—streamlining operations, boosting conversions, and empowering agents in the field. These tools aren’t optional anymore, they’re critical to how modern insurers perform. Here’s how leading insurers are empowering their agents through technology:

1. Intelligent Prospecting & Lead Management

Sales apps now empower agents to:

  • Prioritize leads using filters like policy type, value, or geography
  • Schedule follow-ups with integrated agent calendars
  • Utilize locators to look for nearby branch offices or partner physicians
  • Register and service new leads directly from mobile devices

Agents spend significantly less time navigating through disjointed systems or chasing down information. With quick access to prioritized leads, appointment scheduling, and location tools—all in one app—they can focus more on meaningful customer interactions and closing sales, rather than administrative overhead.

2. Seamless Policy Servicing, Renewals & Claims 

Sales apps centralize post-sale activities such as:

  • Tracking policy status, premium due date, and claims progress
  • Sending renewal reminders, greetings, and policy alerts in real-time
  • Accessing digital sales journeys and pre-filled forms.
  • Policy comparison, calculating premiums, and submitting documents digitally
  • Registering and monitoring customer complaints through the app itself

Customers receive a consistent and seamless experience across touchpoints—whether online, in-person, or via mobile. With digital forms, real-time policy updates, and instant access to servicing tools, agents can handle post-sale tasks like renewals and claims faster, without paperwork delays—leading to improved satisfaction and higher retention.

3. Remote Sales using Assisted Tools

Using smart tools, agents can:

  • Securely co-browse documents with customers through proposals
  • Share product visualizations in real time
  • Complete eKYC and onboarding remotely.

Agents can conduct secure, interactive consultations from anywhere—sharing proposals, visual aids, and completing eKYC remotely. This not only expands their reach to customers in digital-first or geographically dispersed markets, but also builds greater trust through real-time engagement, clear communication, and a personalized advisory experience—all without needing a physical presence.

4. Real-Time Training, Performance & Compliance Monitoring

Modern insurance apps provide:

  • On-demand access to training material
  • Commission dashboards and incentive monitoring
  • Performance reporting with actionable insights

Field agents gain access to real-time performance insights, training modules, and incentive tracking—directly within the app. This empowers them to upskill on the go, stay motivated through transparent goal-setting, and make informed decisions that align with overall business KPIs. The result is a more agile, knowledgeable, and performance-driven sales force.

5. End-to-End Sales Execution—Even Offline

Advanced insurance apps support:

  • Full application submission, from prospect to payment
  • Offline functionality in low-connectivity zones
  • Real-time needs analysis, quote generation, and e-signatures
  • Multi-login access with secure OTP-based authentication

Even in low-connectivity or remote Tier 2 and 3 markets, agents can operate at full capacity—thanks to offline capabilities, secure authentication, and end-to-end sales execution tools. This ensures uninterrupted productivity, faster policy issuance, and adherence to compliance standards, regardless of location or network availability.

6. AI-Powered Personalization for Health-Linked Products

Some forward-thinking insurers are combining AI with health platforms to:

  • Import real-time health data from fitness trackers or health apps 
  • Offer hyper-personalized insurance suggestions based on lifestyle
  • Enable field agents to tailor recommendations with more context

By integrating real-time health data from fitness trackers and wellness apps, insurers can offer hyper-personalized, preventive insurance products tailored to individual lifestyles. This empowers agents to move beyond transactional selling—becoming trusted advisors who recommend coverage based on customers’ health habits, life stages, and future needs, ultimately deepening engagement and improving long-term retention.

The Mantra Labs Advantage: Turning Strategy into Scalable Execution

We help insurers go beyond surface-level digitization to build intelligent, mobile-first ecosystems that optimize agent efficiency and customer engagement—backed by real-world impact.

Seamless Sales Enablement for Travel Insurance

We partnered with a leading travel insurance provider to develop a high-performance agent workflow platform featuring:

  • Secure Logins: Instant credential-based access without sign-up friction
  • Real-Time Performance Dashboards: At-a-glance insights into daily/monthly targets, policy issuance, and collections
  • Frictionless Policy Issuance: Complete issuance post-payment and document verification
  • OCR Integration: Auto-filled customer details directly from passport scans, minimizing errors and speeding up onboarding

This mobile-first solution empowered agents to close policies faster with significantly reduced paperwork and data entry time—improving agent productivity by 2x and enabling sales at scale.

Engagement + Analytics Transformation for Health Insurance

For one of India’s leading health insurers, we helped implement a full-funnel engagement and analytics stack:

  • User Journey Intelligence: Replaced legacy systems to track granular app behavior—policy purchases, renewals, claims, discounts, and drop-offs. Enabled real-time behavioral segmentation and personalized push/email notifications.
  • Gamified Wellness with Fitness Tracking: Added gamified fitness engagement, with rewards based on step counts and interactive nutrition quizzes—driving repeat app visits and user loyalty.
  • Attribution Tracking: Trace the exact source of traffic—whether it’s a paid campaign, referral program, or organic source—adding a layer of precision to marketing ROI.
  • Analytics: Integrated analytics to identify user interest segments. This allowed for hyper-targeted email and in-app notifications that aligned perfectly with user intent, driving both relevance and response rates.

Whether you’re digitizing field sales, gamifying customer wellness, or fine-tuning your marketing engine, Mantra Labs brings the technology depth, insurance expertise, and user-first design to turn strategy into scalable execution.

If you’re ready to modernize your agent network – Get in touch with us to explore how we can build intelligent, mobile-first tools tailored to your distribution strategy. Just remember, the best sales apps aren’t just tools, they’re growth engines; and field sales success isn’t about more apps. It’s about the right workflows, in the right hands, at the right time.

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