© Terragni consulting (P) ltd Private and confidential not to be circulated without prior authorisation The Effort Scale Health Insurance (11.9) Great backend performance, but frontend fear kills referrals Personal Loans (12) 93–98% need multiple interactions Approval in Singapore: same day India: 7–12 days, no visibility Life Insurance (11.95) First sector to hit cognitive neutrality Now prove it can scale Mutual Funds (11.6) Top score in rankings But 94% still face redemption delays Confidence score: rock bottom
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