As the digital hub for underwriting, hr | ReFlex integrates easily with existing systems and data sources to enable a dynamic dialougue for risk assessment. The design emphasizes components and functionality that maximize ease of use and streamline implementation. State-of-the-art underwriting rules and question sets are transparent and they can be customized without IT development. hr | ReFlex uses an open and modern architecture that enables our clients to easily adapt the system to evolving underwriting paradigms that help you reduce customer aquisition costs, improve underwriting accuracy and increase speed to market.