EPIC Intelligence

Transformation in practice, one
micro-market
at a time.

A glimpse into a subset of the work we do. Each one shows the decision the client faced, what was built, how it was verified and what it resulted in.

Banking

Where to place the next ATM, ranked before the first field visit.

A bank was scouting ATM sites district by district. Every micro-market in two pilot districts was ranked before any site visit, avoiding unnecessary field expenditure.

Energy

The best solar markets had no installation partner in them.

A residential solar company assumed its partner network covered its best markets. Ranking districts on demand showed the strongest ones had no installation partner at all.

Healthcare

Narrowing a village shortlist to the ones that can actually support a clinic.

A rural healthcare company runs e-clinics out of village service centres, with pharmacy and diagnostic partners attached. Every candidate village was assessed on demand and infrastructure, and the shortlist was cut to the few that can sustain a clinic.

NBFCs

The right product for each branch, decided before it opens.

A diversified NBFC was opening locations on a single readiness view. Each catchment was assessed separately for vehicle loans, secured personal loans and gold loans, so the product mix could be set market by market.

Micro Finance

Two markets that look alike, and repay very differently.

A microfinance lender chose centre locations on demographics alone. Adding credit bureau history showed that markets which look identical on paper can differ sharply on write-offs.

Automotive

Finding the markets where used farm equipment sales will hold up.

A used farm equipment business needed to know where demand would last. Markets were assessed on farm income, road access and climate risk, so the network could follow demand beyond where dealers already sit.

Banking

Breaking district deposit data down to the branch catchment.

A private bank could see deposit balances by district and nothing below it. We estimated the deposit base around each branch, removed what competitors already hold, and drew territories with goals and market share attached.

Banking

What a rural deposit branch can still win once competitors take their share.

Published deposit data stops at the district. The rural arm of a private bank needed deposit potential for the area each branch serves, with the share competitors already hold taken out.

Banking

Loan camps planned in micro-markets where secured lending demand sits.

A small finance bank assessed secured lending demand by pin code, which is too broad to choose a camp site. Demand was mapped at micro-market level, and camps were planned around the strongest ones.

Healthcare

Where the next collection centre goes, tested first on the centres already open.

A national diagnostics chain was entering a new state at speed. The model was first tested on the centres it already ran, exposing overlap and weak placements, and then used to find sites across underpenetrated districts.

Micro Finance

Matching each branch to the lending model its market can sustain.

A rural lender ran one lending model across every branch. Each branch was matched to the model its surrounding market can actually sustain, and the results were checked against field data before any rollout.

Housing Finance

Catching a slipping branch with early actionable alerts.

A housing finance company reviewed branch performance quarterly, by which point a weak quarter was already spent. Each catchment now carries weekly signals on utilisation, competitor movement and officer coverage, with alerts that fire early.

Education

Stack ranking target schools based on which ones could buy, across 34 districts.

An education company was sending sales teams to districts without knowing which schools could buy. Every school was assessed on its ability to buy and ranked, so sales teams went straight to the schools most likely to convert.

Agriculture

Finding the Farmer Producer Organisations ready for a long-term supply contract.

A company sourcing from Farmer Producer Organisations needed to know which could hold a long-term supply contract. Every organisation in the states in scope was assessed on governance, growth, processing access, land and climate, with adverse findings called out.

Insurance

Where to place the next agent, decided before recruiting starts.

One of India's largest life insurers was expanding its agency channel with no view of which micro-markets to enter. Every market was classified by growth potential, and policyholder clusters with no agent nearby were surfaced separately.

NBFCs

Sourcing hotspots found inside a single 40 km branch catchment.

An NBFC lending against property was working its catchments evenly. Scoring showed the sourcing opportunity sat in a handful of pockets inside a 40 kilometre radius, not spread across it.

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