Innovation is booming in insurance: customer-facing apps, claims bots, conversational interfaces.
At first, it looks like progress, but too often, these are just applications layered on top of outdated core systems: systems that have been running for over 20 years, still using COBOL for 82% of policy administration systems and lacking native API support in 85% of cases.[1]
Beneath the surface of cutting-edge applications, the same inefficiencies persist, or even multiply, with issues in real-time processing, integration and truly digital customer experiences.
The cost of layering is real
Innovative applications are powerful assets, but only if the core is ready to support them.
Because when your foundation is solid, every new layer adds value. When it’s not, it only adds burden, complexity and technical debt.
And suddenly, you’re spending more time and money – up to 70% of your IT budget – maintaining the patchwork instead of serving your customers.
We’ve seen it happen:
- Beautiful portals masking decades-old core logic
- AI running on fragmented, unreliable data
- “Digital journeys” depending on manual steps behind the scenes
Innovation shouldn’t be layered. It should be built in.
That’s why we focus on solving complexity where it starts, not where it shows up.
Because in many insurers, the most visible tech isn’t the real problem, the problem lies underneath.
And that’s exactly where we bring our innovation:
- One platform to manage the full insurance lifecycle, across all business lines
- Shared rules and data across products, channels and processes
- A clean, API-first architecture, designed to last and to be fully leveraged
We build the structures that truly carry the weight of any new technology.
And in the core, innovation isn’t about the latest buzzwords.
It’s about solving what matters, from the ground up. Even when it’s invisible.
Ready to start building smarter, from the core? Get in touch.