"It is easier to call for a new build of core systems and all its surrounding processes than to actually do it. That is why still many of the traditional institutes in financial services do think that the cost of replacing the system is not worth the return on investment. 

Does that make any sense? It would mean to run a company on a 25 year old legacy technology:"

Dennis Gronger Jan 15th 2018

The trouble is time is running out for analogue incumbents.

After three years or so of dabbling with insurtech incubators and startups, implementing limited customer UX projects insurers must move fast. They do not have the time to spend a year or more digitally transforming. 


Because the spoils of success will only go to a few insurers in each market according to detailed research by McKinsey described in "Winner takes most in digital transformation". Maybe up to 5 with the rest living on thin gruel.

And in the background there is always the threat of digital giants like Amazon, Google and Zong An. 

Choosing a digital platform that can be deployed in weeks without an army of consultants and techies will sort the wheat out from the chaff. Not just for FNOL but the whole claims value chain:-

  • FNOL- fast with customer self-service, 
  • Gain all the data & insights to 
  • make an offer, decline or refer to fraud
  • And manage the supply chain for replacement & repair
  • Gibe customer option between repair/replace or cash
  • Action payment
  • deliver the MI for better decision making and planning

That means insurers need to be able to continue with their core systems of record otherwise the lead-time will extend too long not to mention cost and complexity overwhelm projects.

Ever tried to deploy a new digital platform in one US state for $millions only to find the same cost in another state? Just not viable in cost and time.

That can only mean a fully functional digital wrapper with unique & secure URL integration for each claim to core systems. And a single digital record for every claim for relevant insights to be shared securely with all those involved in the value-chain. Not least the customer.

She needs to gain from close engagement with the insurer with self-service driven from their phone, tablet and/or PC keeping them fully informed and able to see fast and positive progress.

All without costing millions upfront, and commercially viable pay-as-you-go pricing.


No-  "360Siteview" is already proven and scalable with blue-chip reference cases. There are other options but this is the standard against which to benchmark every option.