Customer Story

Challenges

With its growing advisor base, the AMC struggled to manage incentive accuracy, commission disputes, and payout delays. Manual tracking through spreadsheets and region-specific systems led to inefficiencies.

• Delayed commissions: Manual payout calculations stretched to 15–20 days after each closure cycle.

• High dispute ratio: Frequent mismatches between internal records and advisor reports.

• Lack of visibility: Advisors had no access to real-time commission dashboards or payout breakdowns.

• Limited scalability: Managing multiple schemes, tenures, and AUM-based slabs created high dependency on regional finance teams.

• Inconsistent motivation: Delayed recognition and lack of transparency lowered advisor morale.

Personas Involved

• Wealth Advisors & Channel Partners: Earned incentives based on fund sales and renewals.

• Sales Managers: Monitored performance and approved payout cycles.

• Finance & Compliance Teams: Oversaw calculations, policy adherence, and approval workflows.

The Solution

Xoxoday Compass digitized the AMC’s advisor incentive ecosystem from calculation to payout:

1. Automated commission engine:

• Built dynamic logic for SIP, lump-sum, and trail commissions.
• Calculations ran automatically post-transaction, ensuring accuracy and faster releases.

2. AI-driven dispute resolution:

• Introduced real-time validation with discrepancy flags visible to advisors and managers simultaneously.
• Reduced dependency on manual email clarifications.

3. Mobile dashboard adoption:

• 7,000+ advisors accessed their incentive dashboards through the Compass mobile app.
• Advisors could track progress against AUM-based slabs and payout timelines.

4. Configurable slabs & alerts:

• Introduced flexible slabs to encourage higher ticket sizes.
• AI nudges notified advisors of upcoming milestones or potential slab upgrades.

5. Payout transparency & speed:

• End-to-end visibility from sale-to-payout reduced delays.
• Dashboards provided breakup by scheme, transaction type, and payout date.

Impact

• ‍Commission Processing Time: Reduced by 65%, improving payout speed and advisor satisfaction ‍
• Dispute Volume: Dropped by 40% due to real-time, rule-based validation ‍
• Advisor Adoption: 85% of advisors active on mobile dashboards within 60 days ‍
• Revenue Realization: ₹3 Cr+ payouts processed in first quarter post-launch ‍
• Operational Efficiency: Manual data reconciliation reduced by 70%

Conclusion

With Xoxoday Compass, the AMC transformed its advisor incentive ecosystem into a fully automated, transparent process. Real-time dashboards, configurable commission slabs, and AI-led dispute management empowered advisors to focus on client relationships rather than chasing payouts — leading to faster earnings, improved trust, and higher advisor retention.

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