Value leakage

Many organisations in the healthcare sector are in the midst of a crisis. Lack of growth and increasing costs are at the heart of the challenge. But the most insidious problem is data leakage. Data is highly valuable, yet most organisations in the healthcare sector allow financial intermediaries to capture and control some of the most valuable elements of their value chain. The good news is that it doesn't have to be that way.

The first mile

The first mile of a patient journey starts with the triggering of a need of a prospect for your service. But what if they cannot afford your service? The need still exists, but often your prospect will find another way of fulfilling the need. Your journeys should consider how you can capture those prospects, so you maximise your lead to patient conversion ratios, as well as bringing forward purchases that might otherwise be deferred. The goal here is the have your patients store value with you that they intend to spend within your network. Storing value with you gives you a prime opportunity to understand and better anticipate their needs.

The last mile

The last mile of a patient journey is a patient paying you for a health service. You have done all of the hard work to get your patient to this point. The goal here is to ensure that you facilitate the value exchange, and capture the particulars of the transaction and its components. It not only delivers a seamless experience for your patients, it also ensures that you close the data loop on your patient purchase life-cycle.


VSPRY's Pluto platform is a next-generation financial technology platform that enables practitioner networks to transform and achieve new growth that is not measured in single digits. The platform can be up and running in 90 days and deployed with a set of minimum viable products (MVPs) to deliver compelling new value propositions. Deployment is conducted in 5 phases:

  1. Select a channel, a patient segment and the corresponding Pluto module(s) for deployment.
  2. Configure and localise Pluto for the specific business objective.
  3. Launch to patients and your practitioner network.
  4. Add additional Pluto modules and/or expand to new channels and segments.
  5. Calibrate Pluto Protect to maximise the benefits of the new financial data captured.



Pluto enables practitioner networks to capitalise on changing consumer attitudes towards insurance and healthcare, while capturing value leaks in their ecosystem, through:

  • Stash allows end users to accumulate and save the money they want to spend on future healthcare needs. Freedom for your end users to choose what to spend and when.
  • Lay-buy allows end users to pay progressively for a specific healthcare procedure prior to treatment. Perfect for cosmetic surgery or other high-cost, non-urgent procedures.
  • PayLater allows end users to undergo a healthcare procedure now, but pay later in easy, equal instalments. It's perfect for dentistry and optometry, where end users need the treatment now, but want to spread the cost of the purchase over time.
  • e-Pay allows end users to pay and your practitioners to bill for healthcare. No special hardware is required. Secure payments facilitated on payment infrastructure that you own, not rent.
  • Virtual card to retire your physical card fleet and deliver a modern virtual card solution to lower costs, improve security, and deliver a digital-first experience for end user interactions.

Enabling tech

VSPRY adopts Google's BeyondCorp zero trust enterprise security model which allows for single sign-on, access control policies, access proxy, and user- and device-based authentication and authorisation. The VSPRY tech stack has 5 inter-connected components:

  • Core orchestrates all internal and external API calls, and manages access and security, and manages all software business logic.
  • Financial multi-currency financial ledgers offering atomicity and concurrency, with virtually unlimited scale.
  • Business product, process, business and customer management platform.
  • Application layer uses a single codebase to deploy a natively compiled, multi-platform user interface.
  • Warehouse offers a fully-managed, serverless data warehouse that enables scalable analysis over petabytes of data.


Our USP is that we make healthcare more accessible and affordable, by integrating healthcare funding solutions, healthcare record management, and healthcare marketplace technology, on a SaaS basis. For licensees of our technology, we remove the capital cost and project risk of building a similar solution internally which for many enterprises is outside of their area of expertise. We bring new sources of revenue, and deliver new customer experiences on a pay-per-user basis, enabling true retail healthcare.

Get in touch

Contact us via VSPRY CHAT or telephone us at our Australian office on +61 7 3184 4111, our United Kingdom office on +44 131 381 3939, or our Singapore office on +65 3129 3939, or schedule a meeting at


© VSPRY 2019-2023 with all rights reserved. VSPRY® is a registered trademark of VSPRY INTERNATIONAL LIMITED ABN 59 631 026 027, a public company limited by shares, incorporated in Australia, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Australia, we operate as VSPRY AUSTRALIA PTY LIMITED ABN 41 631 026 330, with a registered address of Level 38, 71 Eagle Street Brisbane, Queensland. In Asia, we operate as VSPRY SG Pte Ltd UEN 202143128C, a proprietary company limited by shares, with a registered address of 68 Circular Road, #02-01, Singapore 049422.