Price personalization with commercial impact.
- in margin
- +10%
- in sales
- +15%
Estimate based on a financial-retail case; varies by scope.
Software for commercial decisions: pricing, commissions, benefits and agreements.
Absolute INGERENCIA in what moves your business.
We turn your business knowledge into software that sets the right price, calculates every incentive and makes every decision explainable.
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The interference your business actually needs
Trusted by
- Large enterprises have run on INCOMM
- 30+
- Pricing decisions per day
- 8M+
- In incentives calculated per year
- USD800M+
- Incentive plans managed
- 1,000+
Operating in Chile, Peru and Colombia.
What we do
Discover INGERENCIACommercial decisions have to turn into action.
Do your commercial rules change faster than your systems?
Large enterprises need their commercial decisions executed consistently — even when the rules are complex, change often and span multiple systems and channels.
We understand the business.
We know the commercial and operational challenges of sectors where price, incentives and agreements have a direct impact on results.
We build the solution.
We translate commercial policies, calculation models and business rules into technology that can execute them.
We take it live.
We integrate the solutions with existing systems so decisions can be applied, explained and measured.
Solutions
Choose what you want to solve.
What you offer and charge your customers
What you pay and agree with teams, channels and suppliers
INCOMM Platform
INCOMM. Where commercial decisions start to operate.
INCOMM is the technology platform built by INGERENCIA to execute commercial decisions at scale. It integrates with the systems companies already use: every decision stays traceable and your team keeps governance of its rules.
The solutions aren’t standalone tools: they share one platform, with common data and governance — so adding one strengthens the rest.
How it works
- Signal
A customer quotes a loan in the app.
- Decision
INCOMM calculates their rate in under 200 ms, within your limits.
- Movement
The offer appears on their screen that same instant, identical across every channel.
- Impact
The right price, on time — and the sale that closes.
Illustrative example
AI in action
AI proposes and explains. Your team decides.
INCOMM’s AI learns from what actually happened in your business: the price you closed at, not just the one it suggested. It never decides on its own.
Proposes.
It reads the engine’s data and suggests an action: a price, a commission, a campaign.
Explains.
It shows why, with what data and toward what goal — in business language.
You confirm.
The final decision is your team’s. Every change is logged.
- Portfolio Retention Bonus
- USD 75
- Total bonuses
- USD 1,000
Hey, how could I earn more this month? Can you give me some concrete ideas to raise my bonuses?
19:40Of course! Looking at your performance and this period’s targets, here are 3 key actions to increase your earnings:
- Boost cross-selling. Offer the add-on insurance or the extra card to customers already closing their current purchase. Every cross-sale adds straight to this month’s bonus.
- Close 2 more cards. You’re very close to target. If you open just 2 more credit cards with the customers you have under review, you’ll unlock a higher tier of the Acquisition Bonus.
- Build loyalty and retain. Offer the current partner benefits to customers asking about contract terms, to secure your Portfolio Retention Bonus.
With these actions you could raise your estimated bonuses by about USD 120 more! Want to review any of these in detail?
“Our work ends when the first decision is live, not when you approve.”How we work
Experience is proven in operation.
For over 20 years we’ve supported large enterprises in implementing commercial solutions, working with operations of high complexity and scale.
View case studiesWhat our clients say
Technology matters when it understands the business.
Every sector has its own rules, channels, operations and governance demands. At INGERENCIA we combine that specialized knowledge with the technological power of INCOMM.
Banking and financial retail
Smart pricing per customer (the tailored rate), benefits and cashback, customer billing for usage and holding, commissions for your reps and accounting accrual (Basel).
Insurance and brokers
Clear commissions for whoever sells your policies — your team or your network — and end-to-end management through to actual payment to your brokers.
Pension and investment funds
Variable pay for your employees, traceable and explained, with the accrual and payment of every incentive.
Retail, pharmacies and consumer goods
Smart pricing per store, promotions and cashback, large sales forces paid right, and supplier trade agreements (volume rebates) that move volume.
Telecommunications
Customer billing for usage and holding (rating), commissions for reps and channels that switch plans every month, and actual payment to your external channels.
Services
Smart pricing per location, promotions, and variable pay for sales and technical teams.
Manufacturing and distribution
Smart pricing per customer and channel, trade agreements with distributors (rebates), and traceable variable pay for your employees.
Insights
We think about the business. We share what we learn.
Analysis and experience on commercial decisions, technology, pricing, incentives and the challenges of taking strategy into operation.
The advantage isn’t in deciding. It’s in executing fast.
Let’s talk about your company’s commercial challenges and how we can take your decisions into operation.