Planium Bank provides a financial management platform for health insurance operators and their sales networks, centralizing receivables and automating commission payments. The platform streamlines premium collection, fee distribution, and partner payouts through API integrations and dedicated accounts, enhancing operational efficiency.
Funding
Funding not disclosed
Founders
Product
Problem
Health insurance operators and their sales channels face significant challenges in managing financial operations, including the centralization of receivables, efficient payment processing, and the complexities of commission distribution. This often leads to manual reconciliation, delayed payments, and a lack of integrated financial visibility, impacting operational efficiency and partner relationships.
Solution
Planium Bank offers a specialized financial management platform designed to streamline operations for health insurance operators and their sales networks. The platform centralizes receivables through various payment methods like PIX, bank slips, and cards, providing automated notifications to sales platforms, brokerages, and individual brokers. It establishes dedicated accounts for managing premiums, agency fees, and commissions, facilitating cost-free transfers for partners. Through robust API integrations, Planium Bank connects with leading online sales platforms and management systems, enabling automated financial workflows and enhanced operational efficiency. The platform also supports digital incentive campaign management with automated prize delivery and provides access to working capital solutions for partners through a receivables negotiation environment.
Target Audience
The primary customers are health insurance operators and their associated sales channels, including brokerages and individual brokers, seeking to optimize financial management and payment processes.
Features
- Centralized receivables management with PIX, boleto, and card payment options.
- Dedicated accounts for premium, agency fee, and commission payments with zero transfer costs for partners.
- API integrations for seamless connectivity with sales platforms and management systems.
- Automated commission payment processing and sales fee collection.
- Digital incentive campaign management with automated prize fulfillment and performance tracking.
- Receivables negotiation environment for partners to access working capital.
- End-to-end encrypted technology aligned with LGPD and Brazilian Central Bank regulations.
- Financial credit solutions including receivables factoring, equipment financing, OPME financing, working capital, and structured credit.
- Management of collection processes with intuitive reports and dashboards.
- Boleto issuance via CNAB file and real-time boleto registration.