01
Question
Is the current recommendation aligned with the actual requirement?
UNLOCK FIRSTby Infinanza
Second opinion.
Before the
final call.
Another Perspective Before the Decision.
You may already have the proposal. The recommendation. The advisor. The numbers. Before you commit, bring in another perspective.
UNLOCK FIRST is Infinanza’s second-opinion and decision-support platform across Banking, Finance, Investments, Insurance and Credit Cards.
Institution-neutral
Domain expertise
Confidential by design
The moment before commitment
Got the proposal?
Seen the numbers?
Heard the recommendation?
Before the final call…
Unlock first.
01The central idea
You already have an answer.
The question is:
Have you seen the decision from another angle?
A bank may have recommended a structure. A lender may have made an offer. An advisor may have suggested an investment. An insurer may have proposed a solution. They may all be perfectly valid. But before the recommendation becomes your decision, it can be worth asking:
01
Is there another option?
02
Is there a better structure?
03
What are the trade-offs?
04
What am I not considering?
05
Does this actually fit my requirement?
That is where UNLOCK FIRST comes in.
02What is UNLOCK FIRST?
Another perspective.
Before commitment.
UNLOCK FIRST does not begin with a product. It begins with the decision you are trying to make.
We help you examine what is on the table, understand what sits behind the recommendation, compare relevant possibilities and identify considerations that may deserve another look.
We do not make the decision for you.
We help you make it more informed.
03Decision intelligence
02
Compare
What other providers, products or structures should be considered?
03
Understand
What are the benefits, costs, trade-offs and implications?
04
Reassess
Is there another way to approach the decision?
05
Decide
Make the final call with greater context.
UNLOCK FIRST does not begin with the product.
It begins with the decision.
04Why UNLOCK FIRST
Three reasons to unlock first
Institution-neutral perspective
Beyond one provider. Beyond one recommendation.
We look beyond a single bank, institution, provider or product proposition to bring a broader perspective to the decision.
What that means for you
More context before commitment.
Subject-matter expertise
The right expertise for the decision at hand.
Banking is different from borrowing. Borrowing is different from investing. Investing is different from insurance. We bring relevant domain expertise to the specific decision being evaluated.
What that means for you
A decision examined through the right lens.
Experience-led, AI-enhanced intelligence
Human judgement, strengthened by technology.
Experience provides context, judgement and pattern recognition. AI adds analytical depth and comparison across more variables. UNLOCK FIRST brings the two together.
What that means for you
More angles considered. Fewer things overlooked.
05Core domains
One principle.
Five decision areas.
Select a domain to see where another perspective can bring greater context before commitment.
01 / 05
Banking
Banking relationships, account structures, solutions and service choices.
Before choosing or changing a banking relationship, structure, account or solution.
Unlock another perspective first.
- High-value loan structuring
- Covenant and hidden fee reviews
- Relationship and rate evaluation
06How UNLOCK FIRST works
From recommendation
to informed decision.
A considered five-step journey that keeps your requirement—and your final decision—at the centre.
Bring the decision
A proposal. An offer. A recommendation. A requirement. Or simply a decision you are considering.
We question the context
What are you trying to achieve? What has been recommended? What assumptions sit behind it?
We examine the options
Products. Providers. Structures. Costs. Benefits. Trade-offs. Implications.
We bring another perspective
What else should be considered? What may have been overlooked? Is there another structure?
You make the final call
With greater context, greater clarity and another perspective behind the decision.
07Who it’s for
For people who already have access to advice.
And know the value of another perspective.
High-net-worth individuals & families
For significant personal, protection, investment and banking decisions across multiple institutions.
Entrepreneurs & business owners
For business borrowing, working capital, banking, insurance, investments and capital allocation.
Professionals & senior decision-makers
For those who prefer to understand alternatives and implications before accepting a recommendation.
Individuals seeking another perspective
For personal borrowing, insurance, investment, banking and credit decisions.
The point is not that you lack advice. The decision may deserve more than one perspective.
08A different role
We are not here to replace your banker, advisor or institution.
We are here to add another view before you decide.
Your existing advisor may know your history. Your bank may know its products. Your insurer may know its proposition. Your investment advisor may know the opportunity.
UNLOCK FIRST asks one additional question:
What does the decision look like when we examine it from another angle?
That is the value of the second opinion.
09Brand philosophy
The recommendation is an input.
The decision
is yours.
UNLOCK FIRST exists for the moment between the two. The moment when there is still time to question, compare, reconsider, validate and understand.
Before the final call.
Unlock first.
Confidential consultation
What would you like a second opinion on?
Before you say yes, sign, invest, borrow, insure or commit—get another perspective.
Have a decision on the table?
Share only what you are comfortable sharing at this stage.