September 2026 : CarePay – a healthcare financing and patient-conversion platform has announced the launch of Lumen, an AI-powered lead intelligence tool designed to help D2C brands identify high-intent customer leads, prioritise follow-ups and enable more personalised conversations. By combining real-time lead scoring, dynamic prospect profiling and personalised conversation guidance, Lumen aims to help businesses improve the efficiency of their lead-to-conversion journey while enabling teams to make more informed decisions at the point of engagement.
Healthcare providers, real estate companies, jewellery companies, etc. often receive enquiries across multiple channels, but conventional CRM systems typically treat every lead alike, making it difficult for teams to distinguish between high-value and low-intent prospects. This can result in delayed first contact, generic conversations and follow-up leakage, with high-intent customer potentially going cold before teams are able to engage with them.
Lumen addresses this challenge by analysing and scoring every lead as it arrives, ranking leads based on their conversion probability and placing them into four priority tiers – Diamond, Gold, Silver and Bronze. Diamond leads represent rare, high-value intent and are prioritised for immediate, personalised outreach while Gold leads are identified as ready to move, Silver leads are nurtured based on genuine interest and Bronze leads can be managed through automation.
The platform goes beyond lead scoring by creating a dynamic profile of each prospect, capturing signals around their motivation, financial comfort, preferred communication channel and the right time to engage. It then equips agents with tailored, ready-to-use conversation cues, including relevant affordability considerations, enabling teams to approach each patient with greater context.
“D2C businesses generate a significant volume of leads, but the challenge is often knowing which conversations need attention first and how they should be approached. Lumen is designed to bring intelligence into this critical first mile of the customer journey – helping teams understand intent, prioritise their efforts and have more relevant conversations,” said Gaurav Gupta, Founder & CEO, CarePay.
The newly launched product – Lumen scores 100% of leads at the point of arrival, provides a signal that is 10 times richer than a basic name and phone number, and enables teams to identify who to contact and how to approach them in less than a second. The company estimates that the platform can help businesses generate 30–40% more revenue from the same leads.
While Lumen was developed from CarePay’s deep expertise in healthcare, its underlying proposition is applicable to industries where customer decisions involve consideration, multiple touchpoints or significant transaction value.
With Lumen, CarePay aims to help healthcare providers move from simply managing lead volumes to understanding the quality and intent behind every inquiry thereby enabling teams to focus their time where it can have the greatest impact on customer conversion.
About CarePay
Founded in 2023, CarePay is India’s leading fintech platform dedicated to building a financially inclusive healthcare ecosystem. The company’s mission is to eliminate financial barriers in healthcare access through innovative technology solutions and strategic partnerships with healthcare providers. CarePay’s B2B2C model enables healthcare facilities to offer patients flexible financing options while maintaining operational efficiency.
