Partners
Nuestro ecosistema
Queremos ofrecer mucho a nuestros clientes. No en último término, para apoyarles en su crecimiento. Por eso, Sapiens se enorgullece especialmente de sus colaboraciones con empresas innovadoras. Estas nos ayudan a ampliar y profundizar nuestra oferta, a escalar para superar incluso los retos de implementación más grandes y difíciles y a abrir nuevos mercados y centros.
- Industry challenge
- The solution
- Business benefits
- Hear from our partners
Many insurance carriers prioritize speed to market to meet changing customer needs but struggle to develop, file, and implement new products and product changes. While Customer Communications Management (CCM) platforms can help manage communications for these products, few have capabilities to specifically manage the documents required during the product development process.
With GhostDraft, insurers can automate the forms and document lifecycle, from inception to delivery, in one powerful and easy-to-use suite designed for insurance. Now, you get everything you need to get new or updated products to market quickly and streamline all your communication needs in a centralized CCM system that offers research, design, filing, specification, development, review, test, deployment, and implementation tools for the whole organization.
GhostDraft offers a modern, cloud-native suite that is seamlessly integrated with Sapiens to simplify managing communications.
- Drive digital transformation and end-to-end process automation
- Accelerate speed to market
- Deliver superior customer experiences with modern forms
- Get an insurance-designed solution with ISO prebuilt libraries
- Reduce costs with a cloud-native SaaS-priced solution
- Industry challenge
- The solution
- Business benefits
Glia allows companies to forge and maintain deeper relationships with their customers by providing real-time online “face-to-face” access to account managers, advisors, and agents. With 2-way video communication, your customers can put a face to a name – building greater customer satisfaction and loyalty in the process.
Glia enables companies to acquire more leads and increase online conversions. Companies are able to identify high-value website visitors, react to inbound communication requests, or proactively reach out via live chat, video, or audio. With our powerful Observation and Co-Browsing features, companies can arm their agents with visual context and offer personalized browsing to better aid customers. Intelligently Target Customers – Leverage business logic to reach out to customers who are ready to buy using Overseer, Glia’s proprietary business logic engine. Glia enables companies to better support their customers by injecting more context into the conversation. Through live observation and CoBrowsing, agents are able to see the issues customers are dealing with in real-time – allowing them to provide more personalized service and efficient resolution.
- Provide Superior Support with Digital Customer Service
- Increase Sales with Digital Customer Service
- Leverage co-browse to resolve issues faster
- Industry challenge
- The solution
- Business benefits
Insurers relying on traditional approaches for underwriting and claims management lack full visibility into risk, which limits their ability to win more business while maintaining their loss ratios.
On the underwriting side, they are challenged with pricing accurately to reflect the risk, limiting their ability to price competitively, quote business quickly, and expand into new markets profitably.
In claims management, insurers lack visibility into claims risks, leading to potentially long-duration claims which can become catastrophic and costly.
With a more complete, in-depth picture of risk, underwriters can make pricing decisions more accurately and more competitively, enabling them to win more business, grow with new clients, and enter new markets profitably. Claims managers gain an «early warning» of the most expensive claims, to focus proactively where needed while reducing the cost of claims. By using Gradient AI’s solutions, insurers of all types achieve a better return on risk.
Gradient AI is the leading provider of proven artificial intelligence (AI) solutions for the insurance industry. Its solutions improve loss ratios and profitability by predicting underwriting and claims risks with greater accuracy, as well as reducing quote turnaround times and claims expenses through intelligent automation. Unlike other solutions that use a limited claims and underwriting dataset, Gradient’s software-as-a-service (SaaS) platform leverages a vast dataset comprised of tens of millions of policies and claims. It also incorporates numerous other features including economic, health, geographic, and demographic information, as well as modeling expertise and deep insurance industry experience. Customers include some of the most recognized insurance carriers, MGAs, MGUs, TPAs, risk pools, PEOs, and large self-insureds across all major lines of insurance.
- Augmented intelligence to make your organization and people even more effective
- Cutting edge artificial intelligence and machine learning solutions
- Designed specifically for the insurance industry and risk management professionals
- Predictive and prescriptive analytics
- Enable automation and provide decision support
- Industry challenge
- The solution
- Business benefits
Car insurance companies are facing high competition and low margins. To reduce claim losses, insurers must promote safe driving. They also need a better way to price risk, to retain safe drivers and charge higher premiums for ‘risky’ drivers. Usage based insurance is one possible strategy to reduce costs. However, being able to accurately predict the level of risk per driver, provides an additional layer of information for the insurer to set premiums better.
The joint Sapiens and GreenRoad solution enables automotive insurance carriers to secure a new level of risk assessment data about their drivers on a dynamic basis, making it possible for them to provide more competitive, personalized driver insurance premiums, customer-centric services and proactive risk-prevention programs.
- Rapid personalization of both claims and policy correspondence reduce cycle times by utilizing previously generated templates
- Easy access to a central repository of templates, plus automated data and content prefill document templates, save agents time
- Built-in document preview capability during authoring facilitates a quick turn-around from edit to production
- Industry challenge
- The solution
- Business benefits
Insurance is complicated. This complexity results in policyholder and claim rep frustrations, higher costs and risks for all parties.
Hi Marley helps carriers achieve success across the most important dimensions in insurance, streamlining complexity and easing customer and employee churn.
- An Elevated Policyholder Experience – Policyholders are delighted to communicate in the ways that work best for them. The continual stream of timely communication manages
expectations and builds trust and loyalty to improve customer satisfaction and retention. - A Better Employee Experience – Claims adjusters’ jobs become easier, allowing them to focus on the most important tasks, while building better policyholder relationships. Hi
Marley’s Coaching capabilities reward and encourage positive behavior and best practices, improving job satisfaction. - Improved Financial Results – Streamlined communication and enhanced collaboration allow carriers to see financial savings with reduced cycle times, improved productivity and
increased customer retention. Results are measurable with analytics and expert reporting features.
- Industry challenge
- The solution
- Business benefits
Dozens of eMerge-based solutions are currently operated on IBM Z platforms. As eMerge has evolved through the years, most of the solution’s investment was exposed to external technologies adjusted that needed support of eMerge versions.
Together with eMerge IBM Z customers, Sapiens continues to enhance IBM Z platform capabilities. We are continuously improving our eMerge product to support the latest releases and functionality of IBM Z Systems customers to maintain their workload.
- Consistency The new back-office applications have a unified look and feel, with the reuse of web services across the various applications.
- Repository System All data from the applications are centralized in IBM Z. This can save unnecessary web services when an application needs data from a second application.
- Compliance with regulations The new application is regulations oriented.
Digital services No more paperwork, hand files and file cabinets, no duplicate data, no business errors, everything is validated by the application. - Accessibility The new eMerge applications on IBM Z are accessible for intern
- Industry challenge
- The solution
- Business benefits
Insurance customers largely aren’t engaged with their providers. Meanwhile, increasing competition threatens retention. Insurers need to communicate with customers in a way that won’t be ignored but is also scalable and easy to implement.
Idomoo’s Personalized Video platform lets you build and launch campaigns fast, whether you need 500 videos or 5 million. With real-time rendering, interactivity and cinematic quality, it’s the superior CX your customers deserve. Personalized Video combines the impact of video with the relevance of personalization to create an effective communications medium. It’s proven to increase sales by as much as 8x and cut churn by 37%, all while adding a human touch to the insurer-customer relationship. From acquisition to onboarding to loyalty and more, launch campaigns and get results fast. Modern consumers expect personalized experiences. Why should video be any different?
- Increase retention by reaching out personally and visually at key moments in the customer journey, such as
before a policy renewal - Reduce call center volume with videos that answer questions clearly and personally before your customer picks
up the phone - Put your data to work with personalized offers that drive ROI, and add interactivity to your video to further
boost conversions - Increase customer satisfaction from the start with personalized onboarding videos that increase brand loyalty
long-term - Idomoo’s open platform, which easily scales to millions of videos, saves you time with built-in automation
tools and customizable templates.
- Industry challenge
- The solution
- Business benefits
- Hear from our partners
Insurance organizations face many payment processing challenges from improving reconciliation efficiencies, reducing policyholder churn and keeping costs low. Add to that the burden of compliance liability, the pressure of ever-changing customer expectations and the need to reduce policyholder churn. The challenges may well seem insurmountable.
The joint Sapiens and Invoice Cloud solution delivers a streamlined omni-channel payment experience that improves operational efficiencies by simplifying the payment process and increasing self-service adoption. Invoice Cloud’s tight, real-time integration with Sapiens’ industry leading software solutions accelerates reconciliations, while providing a seamless payment process for policyholders. Invoice Cloud provides a simple, secure online billing and payment solution for insurers.
- Rapid personalization of both claims and policy correspondence reduce cycle times by utilizing previously generated templates
- Easy access to a central repository of templates, plus automated data and content prefill document templates, save agents time
- Built-in document preview capability during authoring facilitates a quick turn-around from edit to production
- Industry challenge
- The solution
- Business benefits
Reinsurers face the challenge of identifying and financially quantifying cyber risk for a single business and accumulated exposures across their portfolios. Reinsurers lack access to the tools for calculating potential affirmative cyber exposures within cyber policies and silent cyber exposures within other P&C policies, leaving them exposed to unexpected cyber losses.
The joint Sapiens and Kovrr solution delivers transparent, real-time data- driven insights into affirmative and non-affirmative single, accumulated and catastrophic cyber risk exposures. The Kovrr platform is designed to help underwriters, exposure managers and catastrophe modelers better understand, quantify and manage cyber risk by utilizing AI-powered predictive risk models. Kovrr uses customer data from Sapiens and other sources and the underwriting insights can be integrated to the overall underwriting, according to the insurance product.
- Industry challenge
- The solution
- Business benefits
The risk and the exposure to new forms of fraud is increasing. The innovation and digitalisation disrupting the insurance industry creates new opportunities for carriers but also for fraudsters. Insurance fraud undermines the capital needed to pay genuine claims and is an additional tax on every policyholder.
Fighting fraud is Kube Partners’ primary mission. We work for the greater good, and with our anti-fraud platform Detector, we will reinforce this fight at a global level.
Developed with the contribution of experienced claims handlers, Detector is an advanced cloud-based software platform to provide end-to-end fraud detection and to empower experts to make the right decisions. Our customers have enjoyed a 400% improvement in the number of cases successfully investigated and a 300% improvement in fraud detection efficiency. With our fast implementation path, insurers can go live in as little as 4 to 6 weeks and the initial investment is fully repaid in just a few months with a 10X return on investment.
- Accurate scoring, minimise false positives
- Acceleration of the settlement process for genuine claims
- Full automation: Detector claim scoring and investigation workflow ensures cost and productivity monitoring
- Easy-to-use SaaS platform: intuitive, self-explanatory and simple-to-use and integrates with company’s system, Detector provides real-time proof of fraud
- Multiple lines of business supported (motor, property, health, travel, general liability, personal accident, pets)
- Industry challenge
- The solution
- Business benefits
Consumers expect instant experiences anywhere and everywhere but especially on their mobile phones. Sales processes that involve paper forms slow down sales and renewals cycles causing potential customers to drop out and turn to more digital-savvy competitors. Slow claim cycle-times also inflate claims costs, cause customer frustration and churn. You need to deliver the instant digital experiences consumers expect or risk losing business to the competition
The joint Sapiens and Lightico solution enables insurers to complete entire customer-facing processes in real time by streamlining, digitizing and automating interactions. With Lightico, businesses can instantly collect customer documents, eSignatures, eForms, payments and consent to disclosures, plus confirm policy terms and verify ID, even on their mobile phones
- Decrease the time and costs associated with the claims process
- Increase the speed of payment on overdue accounts
- Decrease inbound call volumes
- Improve the overall customer experience
- Offer choice and Opt-In and preference management
- Be up and running and see significant results within 90 days
- Industry challenge
- The solution
- Business benefits
The insurance industry needs to quickly assess risk factors and to price efficiently, without either over- or under-valuing each policy. This move toward personalization requires verified location-based information.
Loqate address verification solutions are integral to various aspects of insurance operations, including risk assessment, fraud prevention, regulatory compliance, customer service, and data analytics. We offer a faster, easier way to capture addresses in real-time in any single-line address field or online form. In as few as three keystrokes, our technology will suggest complete and precise locations anywhere in the world – even when your customer makes a mistake.
- Loqate solutions combine the richest globally curated data from multiple postal, geospatial and local sources with a sophisticated matching and verification engine, ensuring the most accurate address data
- A single source of truth for customer data, makes transferring money, opening accounts, and sending and receiving necessary documentation seamless
- AI is only as good as the data input
- Global Address Verification with AI Parsing
- Standardisation across all systems, consistency + trust for your MDM
Integradores de sistemas
Sabemos lo importante que es una integración e implementación perfectas para lograr un rendimiento óptimo. Por eso, nuestras alianzas estratégicas con integradores de sistemas son decisivas para la integración exitosa de nuestras soluciones.
A través de estrechas alianzas, creamos juntos soluciones que revolucionan sectores, fortalecen empresas y allanan el camino hacia un futuro digitalizado.