Partners

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.

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.

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

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.

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

LinqConnect – “Where data becomes decisions”

• Instantly provides accurate business classification—over 1,100 classes—via a single API call.
• AI-driven insights deliver 92% classification accuracy (vs. 70-75% industry norm) and over 200 attributes per business.
• Automates appetite matching, renewals monitoring, and coverage identification for underwriters.

• Enables underwriters to spend more time evaluating risks that they want
• Reduces premium leakage and helps identify additional coverages
• Transforms fragmented carrier filing data into actionable intelligence that enables precise business-to-carrier matching and appetite enforcement.
• Reduces integration burden by replacing fragmented third-party data feeds

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

As a specialist in international payments and currency risk management, Lumon has been delivering bespoke hedging and execution services for over 20 years. We’ll work closely with you to develop, execute, and maintain a tailored strategy that complements your operational model and business goals. Our risk management strategies are designed to limit the impact of currency volatility on overseas exposures and significantly reduce execution and payment costs.

• Cost Savings – we deliver wholesale execution pricing through our syndicate of tier 1 liquidity providers and £9.2b in annual FX turnover
• Uncollateralised Credit – we offer clean credit and hedging facilities extending up to three years out with no upfront collateral or cash required
• FX Policy Creation – working closely with some of the largest insurers, Lumon specialises in delivering bespoke FX policies that ensure a systematic and data driven approach to optimise your FX risk management
• Data & Analytics – we extend real-time forecasting and probability data sourced from over 50+ global banks, providing an impartial and precise view of market sentiment that’s customised to your specific requirements
• Integrated Trading Platform – our platform enables self-serve spot and forward along with full reporting functionally, drawdown facilities and risk management tools for a true all-in-one currency experience

The Irix® suite of identified data products instantly interprets vast amounts of real-time electronic consumer and clinical data and delivers an consistent underwriting decision on the spot. You can automate most decisions, find groundbreaking efficiencies, and realize cost savings without compromising (and often improving) accuracy. Predictive model-generated risk scoring tools stratify risk with more precisions and speed and can be strategically used to issue more business, slash mortality, or balance both. All products can be calibrated to your risk thresholds and underwriting guidelines and are HIPAA- and FCRA-compliant.

• Add distribution channels and product offerings
• Modernize risk management and decision-making workflows
• Enter new markets and extend coverage to the multibillion-dollar middle market
• Find unprecedented protective value

Next® Enterprise archive, lets you access all the relevant documents directly from the account, the policy, and the claim record in IDITSuite, other SAPIENS solutions, and your customer portal.
Next® automatically captures all your documents. Performs OCR. Classifies and index documents. Creates futureproof versions in PDF/A. And manages permissions. For decades.
Next® is a unified enterprise archive for all your documents. On premise or on the cloud.

• Improved customer service
• Reduced operational costs
• Faster response to customer needs
• Faster implementation of new and updated systems
• Easier retirement of old systems
• Easier compliance with GDPR and other regulations

The solutions streamline existing insurance workflows that require single or multiple signatures, reducing operational costs by significantly speeding the previously unwieldy document completion process (using mobile device, tablet, or computer). Close business 95% faster with eSignature. Create a 100% customizable experience to highlight your brand and seamlessly generate & send documents for signature via SMS or email.

• 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

ODG provides unbiased, evidence-based guidelines and technology solutions that support payers, providers, and employers in their efforts to effectively return people to health in workers’ compensation. The clinical guidelines and analytical tools within ODG help improve and benchmark return-to-work performance, set reserves, facilitate quality care (including auto-authorization by CPT-ICD), and assess the level of claim risk for interventional triage.

ODG for Workers’ Compensation solutions include:
• TAO Index (Treatment Analyzer on Outcomes): measures the correlation of each medical intervention with timely return-to-work
• Treatment Guidelines: ODG evidence-based treatment guidelines are designed for clinical practice as well as utilization review and medical management
• Return-to-Work Guidelines: ODG evidence-based return-to-work guidelines and predictive modeling are designed to impact as well as forecast time away from work for prospective
  case/claims management and retrospective benchmarking

The joint Sapiens and omni:us solution allows insurers either to automate the claims handling process or to suggest “Next Best Actions” to the claim’s processor.
Cognitive and deep data extraction of all incoming documents (structured, unstructured, continuous text, handwriting, etc.) is interpreted and translated into fully contextualized claims scenarios which prepares the ground for an AI-based decision framework for automation and decision support. Our solution minimizes the manual data processing and forms a basis for straight-through processing at scale.

• Process complexity reduction
• Claims decision support for claims adjuster
• Real-time claims status & updates
• Personalized claims experience
• Fast & transparent settlement

With One Inc’s proven PremiumPay® and ClaimsPay® digital payment networks, we provide insurers with the comprehensive insurance payments experience that customers require – fast, flexible, and future-focused.

• Customer Experience-Connect and engage policyholders through an exceptional, expedient, and seamless payment experience
• Digital Engagement-Proactively engage policyholders throughout the premium and claim payments experience
• Reporting and reconciliation-Reconcile accounts, instantly find discrepancies, analyze and report payment activity
• Security & Compliance-Remove sensitive payment data from your network and simplify your compliance burden

Underwriting: Opterrix is a single source of knowledge that helps carriers measure and manage property-level accumulation and aggregate limits, real-time moratorium declaration and monitoring, and post-event claims management.
Claims: Opterrix monitors complex portfolios in real-time, provides advanced notifications of upcoming weather events, generates claims predictions before FNOL, and offers unparalleled street-level analysis for optimized claims workflows.
Customer Engagement: Opterrix enables insurance carriers to deliver real-time notifications that protect, inform, and interact with policyholders when and where risk mitigation is top-of-mind.

• Prevent binding of high-risk policies and reshape costly accumulations in real-time
• Create a holistic view of loss activity
• Reduce claims cycle times and loss adjustment expenses
• Improve combined and operating ratios
• Increase customer satisfaction and retention

With Optum Financial you have access to one of the largest multi-payer networks and the latest in payments technology. With our payment delivery solution, you can lower operational costs, improve customer interactions, and meet the demand for fast, efficient and secure B2B and B2C claims payments.

• Optimize payment processes — Drive electronic payment adoption and increase revenue
• Lower administrative costs — Eliminate check printing and mailing costs and reduce treasury and administrative expenses
• Prevent payment fraud — Our solution has the latest fraud avoidance technology combined with 24/7 monitoring by fraud protection experts
• Increase payee satisfaction — Offer flexible payment options, including ACH, virtual cards and checks

With more payment methods and channels than any other provider and as the #1 best-in-class rated EBPP provider, Paymentus delivers the modern solutions insurers need and policyholders require.

Improved Customer Experience: Policyholders can pay exactly how they want with instant access to a robust suite of payment options and have access to faster digital claims payouts proven to increase Net Promoter Scores (NPS).
Comprehensive Real-Time Reporting: Staff can access a single, dashboard view of payment data to quickly serve customers, efficiently resolve inquiries and improve reconciliation and business operations

Quadient provide a portfolio of technology that enables organizations to create better experiences for their customers through timely, optimized, contextual, highly individualized, and accurate communications for all channels. Extend your communications by using Inspire Flex’s secure delivery channels. Power interactive and compliant experiences at scale for web, mobile and digital. Inspire will allow insurers to easily design, modify, manage, and deliver claim and policy documents without the need for technical expertise. This will drive efficiency, reduce errors and enhance communication across all channels.

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
Easily integrate multiple data sources to generate personalized digital and printed communications on demand or in high-volume batches.

From Underwriting, through FNOL, to settlements, Ravin AI greatly reduces friction. Our AI-powered assessment of damage combined with Ravin’s seamless video capture experience, produces greater insight, ensures that standards are met from the start, and helps repair shops source the required parts. Saving effort, speeding up claims, and getting people back on the road.

• Cut down claim cycle time to minutes. A customer is guided by the Ravin Inspect app to capture damages with a
  mobile app.
• Empower and create transparency between insurer, customer, and repair shop.
• Advanced AI ensures high quality, multi-angle capture and limits fraud.
• Repairers receive full visibility and participate in the quote using Ravin’s remote intelligent dashboard.

Rider Dome utilizes AI to deliver real-time alerts to riders, effectively mitigating critical threats on the road and reducing accidents. Additionally, our Fleet Monitoring Platform equips fleet managers with the real-time data necessary to monitor, track, and measure fleet safety.

• Improve motorcycle riders’ safety, leading to a reduction in accidents
• Generate significant savings for fleets by addressing both direct and indirect costs associated with motorcycle accidents
• Enable insurance companies to offer advanced solutions that mitigate rider risks and support data-driven insurance decisions

S1 Medical’s bill review program & complex bill strategies brings the necessary balance of available tools, clinical competency, and communication to produce clinically reviewed, accurately coded, and competitively fair medical payment allowances.

• Every medical bill submitted to Complex Bill Strategies begins with an exhaustive review of every line of supporting medical notes
• Rather than a predetermined “pend queue” hierarchy, S1 takes all options into consideration and chooses the most effective strategy, bill by bill
• Real-time claims status & updates
• Our solution involves people, who are available and ready to speak in detail with complete familiarity on every bill
• This intense effort found in S1’s Complex Bill Strategies generates medical bill savings that far exceed the market-standard bill adjudication reductions

Shift Claims Fraud Detection is an AI-native solution that lets investigators discover more fraud, faster, and throughout the entirety of the claims process. Our solution leverages the collective knowledge of over 200 data scientists and over 100 external data sources – including trusted fraud detection resources such as Lexis-Nexis and the NICB. G71By combining insurance-specific intelligence and data, Shift Technology creates a solution that lets investigators find and mitigate more fraud while encountering fewer false positives. This improves the customer experience and creates cost savings that P&C insurers can pass on to their policyholders.

• Powerful AI solution grows hit rate by 3x
• Reduce false positives to drive more efficient workflows
• Identify both simple and sophisticated fraud techniques
• Clear context for 60% faster resolutionShift Technology is enabling P&C insurers to see more, do more, and be more for their policyholders. Decisions shape the insurance industry. P&C insurers must make the correct decision, quickly, in every policyholder interaction, from underwriting to claims and beyond. Shift’s AI solutions effectively automate and optimize insurance decisions, liberating insurers to innovate and find new ways to be there for their customers.
• More accurate decisions about fraud and misrepresentation at the point of underwriting and policy
  activation to reduce leakage
• AI-native claims fraud detection that effectively identifies individual and network fraud schemes and
  provides contextual guidance for investigators
• More efficient and accurate decisions at the point of claims first notice of loss (FNOL), including AI
  document intake and analysis, and verification of claims details
• More efficient use of human expertise thanks to insurance-trained AI that can handle many routines and
  complex tasks
• Support for compliance efforts including Know Your Customer (KYC) and Anti-Money Laundering (AML)
  initiatives

• Easy implementation within Sapiens’ platform based on a flexible, carefully developed approach to a PayGo solution that fits your processes and your needs
• Reductions in billing and collection expenses
• Various options of direct data collection of multiple exposures such as payrolls, sales, insured values, etc.
• Maximum transparency on exposure data during the policy period, helping to reduce audit and bad debt expenses, saving you time and money

• Carriers improve their loss ratio with accurate risk analysis with Smarty’s US Rooftop Geocoding
• Claims adjusters expedite First Notice of Loss (FNOL) and arrive at the right location with Smarty’s US Address Autocomplete
• Insurance agencies get more quotes and online conversions with Smarty’s US Address Autocomplete