Insurance

100% Digital: offer a tailored digital journey based on defined Customer Personas and Hyper-Personalised Products, made possible by data-driven Customer 360 profiling. Say goodbye to paperwork with embedded digital tech like OCR, eSignatures and payment processors. Run an end-to-end digital process, from quote to bind and beyond, on any channel.

Automated for Speed: automate to cut processing time, reduce costs and provide a frictionless experience for the customer. Digital Workflows and API Integrations streamline the process while OCR speeds up data input. When the customer selects a package, our Quote & Bind App generates a policy doc, routes them to payment and fulfills instantly once the money’s been received. Uninsured to covered in as little as 2 minutes.

Seamless Self-Service: guide your customers through a simple, intuitive and memorable enrollment process on whatever device they like. Start with a Hyper-Personalised product to fit their dynamic customer 360 profile. Make taking out insurance a breeze with an interactive chatbots. Give them an instant premium calculation and remove barriers to purchase with Automated Decisions and paperless contracts and eSignatures.

Empowered Brokers: our Digital Brokers Toolkit helps brokers build trust with their customers by enabling seamless, Hyper-Personalised, omni-channel experiences. An integrated portal allows them to automate admin and focus on the customer relationship, providing consistent data on their portfolio and the ability to run campaigns, manage leads and deliver digital advisory through tailored interactions.

Most consumers see P&C insurance products as a commodity, but with new tech comes the opportunity for insurers to differentiate. Give your customers personalised offers and seamless experiences to set your business apart. Do it while lowering costs. It’s all possible with our platform.

Hyper-Personalised P&C: kick-start the shift from product to customer across P&C lines. With our Evolutive Data Layer, you can build coverage around data-driven, dynamic profiles and tailor pricing to match changes in risk exposure. Home, motor, small commercial or renters – whatever’s insured you can create Hyper-Personalised customer experiences on any channel. And our Personalised Content Delivery and Journey tools will make sure every interaction with your customer is relevant and meaningful.   

Less Friction, Lower Costs: automate workflows to give customers the simple, speedy and intuitive journeys they expect. Cut down on manual data input with data integrations and OCR, and streamline applications with Digital Workflows. Make customer servicing easier with chatbots and speed up underwriting and pricing with our Business Automation Engine. Tackle high costs while providing frictionless customer experiences.

Real-Time Risk Prevention: make the leap from post-event protection to claim prevention. Because the best kind of claim is one that doesn’t happen. Our Evolutive Data Layer been built to integrate multiple data streams and is powered by advanced analytics. You can use it to run real-time risk monitoring and enable preemptive outreach. Alert your customer to increased risk and nudge them to change their behaviour using our Hyper-Personalisation tools. And do it on any channel.  

Create Next-Gen Products: from on-demand coverage to usage-based insurance, carriers are responding to changing customer needs and lifestyles by rolling out new offerings. Equip your teams with the tools to create and run innovative, end-to-end digital insurance products powered by evolutive data and intelligent automation. Our Digital Product Factory will unleash their ideas by providing an intuitive FintechOS Innovation Studio to build from scratch, or they can simply visit the Fintech App Store for a ready-made product that’s good to go. All designed for non-technical users, so no developers needed. That means you can hit the market faster and at lower cost.

Health insurers have a big task ahead of them: to move away from being simple payers of claims and reinvent themselves as health partners, working alongside their customers for better outcomes. To succeed, they’ll need to offer Hyper-Personalised Customer Engagment enabled by intelligent automation, and the ability to launch end-to-end digital products and services easily and at speed.

Get Closer to the Customer: build stronger customer relationships. With our Hyper-Personalisation tools and seamless omnichannel delivery, you can crack customer engagement and become a trusted health partner. Guide your customers through Hyper-Personalised care and claims journeys, made stress-free by frictionless Digital Workflows. Support lifestyle improvements with Personalised Content and tailored interactions aimed at influencing behaviour. Empower your customers to better manage their health.

Cut Costs & Improve CX: tackle the high admin costs and inefficient operations that hold you back from better serving your customers. Our Intelligent Automation Systems can automate workflows and speed up the development of end-to-end digital products. Streamline quote & bind using OCR, embedded digital capabilities like eSignatures, and API-based integrations. That means no-touch data collection and processing. Lower costs and a frictionless customer experience. All thanks to the power of intelligent automation. 

Build, Test & Launch at Speed: give your non-technical teams the power to create, test and run customer-centric digital products. No coding required. Just a simple and intuitive FintechOS Innovation Studio toolkit to guide your teams through the product development process. Shake off your ‘tech debt’ with our Digital Product Factory and bring next-gen health insurance offerings to market quicker and cheaper.

Life insurers are on a growth mission. Low engagement, high operating costs and product-centric design are the challenges they’ll need to overcome to win in the digital future. And that’s exactly what we can help them do.

Always-On Engagement: customer relationships in life insurance have always been low touch. But as insurers try to become more customer-centric, regular and meaningful engagement is now a priority. Real-time and automated interactions will stop customers from abandoning enrollment processes. And with our Customer 360 tools tailored and relevant interactions are possible. A data-driven, dynamic profile means that life events can trigger Personalised Offers on a customer’s preferred touchpoint. And our omnichannel delivery means customers can switch between channels seamlessly, from robo-advisory powered by chatbots to live video chat with in-house teams.

Streamlined Processes: improve customer experience by getting things done quickly and simply. Self-service or assisted, make applying a fast and user-friendly process. Use OCR, Facial Recognition and Digital Workflows to cut down on manual data input, run customer verification and reduce friction.  Take the pain out of the underwriting stage: our Business Automation tools, Risk Engine and data integration capabilities combine to deliver a decision at speed. With an instant premium calculation and Digital Doc Management, the customer can be covered in no time at all. Streamline processes right across the business, from onboarding to claims and policy admin, lowering costs and boosting customer satisfaction.

The Personal Touch: one-size-fits-all just won’t cut it. Hyper-Personalisation is now essential for future growth. With our tools, you can serve each customer like they’re your only one. Tailor risk coverage and pricing with our Personalised Offering capabilities to reflect their life stage, risk appetite and behaviour. Connect with them on their preferred touchpoint using Personalised Journey tools. Deepen trust through bespoke interactions and tailored campaigns, all made possible by Personalised Content Delivery. With dynamic profiles and Hyper-Personalisation tools at hand, you can mirror your customer’s life changes and always provide the personal touch.

New Products for New Customers: life insurers need to respond to emerging demands in the market and solve customer pain points fast. With FintechOS, your teams can create the next generation of life insurance products quickly and affordably. Our Digital Product Factory draws on our flexible and modular architecture and is powered by embedded digital tech. It’s easy to use, so you can encourage cross-functional and non-technical teams to innovate together. Everything is easily configured, from underwriting rules to user-friendly front-ends. All so you can get new products to market quicker and cheaper.

Corporate insurance is ripe for digital change. And with new tech comes access to better data and the ability to improve risk management and pricing. Whether it’s cyber or marine, tailored products enabled by evolutive data and intelligent automation offer value for insurers and their corporate customers.

Coverage Tailored to Needs: target customers based on needs rather than company size. Our Hyper-Personalisation tools, built around dynamic, data-driven profiles, will help you accurately insure your customers’ evolving risks. Because pre-determined, inflexible products don’t suit the way companies operate today. With Hyper-Personalised Offerings that factor in business complexity you can meet their demands and shift to a more customer-centric, digitally enabled business model.

Advances in Automation: corporate insurance is complex. That’s why carriers rely heavily on human judgment. Use our Business Automation Engine to support your underwriters. Give them their very own co-bots to handle the manual, repetitive tasks. With evolutive data and advanced analytics to hand, your teams can get on with selecting and pricing more complicated risks. Streamline processes for simpler claims with our Digital Workflows and Automated Decision Engine. Cut costs and tackle inefficiencies across the business.

Data-Driven Loss Prevention: proactively manage risk and prevent claims. Our evolutive data layer is designed to integrate data streams and run advanced analytics on multiple flows in real-time. It’s the perfect foundation for risk monitoring and prevention services, as well as dynamic cover and pricing.  Connect your customers and their brokers around an integrated platform powered by automation and fuelled by rich streams of IoT and third party data.