Serdica IPAL - AI Powered PAS

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Serdica IPAL is a new-generation, AI-powered PAS, which significantly enriching the insurer’s arsenal of tools for CX improving, precise risk assessment, and personalized offering. It is built on top modern technology and combines the traditional functionality of a Policy Administration Systems with a completely new AI/ML layer. Serdica Accelerator Layer determines the fundamental difference between IPAL and the traditional PASs, introducing the power of the newest technologies, providing pre-developed ML models for the insurance domain, thus allowing the insurance companies to ensure manageability, flexibility, and risk-reducing of their innovation road map.

Serdica IPAL is an integrated platform for digitalization where the insurance company is free to pick up any part of it, applying an incremental approach for replacing the legacy PAS environment, thus making the digitalization process manageable and consistent with the digitalization strategy, budget, and available resources.

Key Features

Microservice architecture that provides enormous scalability, allowing smooth mix between existing rule-based techniques and new AI/ML technologies (Analytics, NLG/NLP, Computer Vision). The insurance company has the freedom to define a sequence of independent projects in line with its strategy, budget, and resources

Advanced Orchestration architecture that includes:

– A powerful BPMN workflow engine Camunda, used to model all business processes in order to provide a good interface for customizing the system’s behavior; it provides a configuration-based approach to using any microservice in any process);

– An asynchronous message controller (Rabbit MQ) that ensures the entire communication and support of SERDICA microservice architecture

Unique Accelerator Layer which is adding the power of AI/ML to the standard PAS functionality; consists of:

Recommendation engine combines ML-based micro-segmentation and traditional rule-based approach, providing a final quotation and customized offer

Rating engine combines ML-based behavior risk assessment calculation and traditional rule-based calculation, generating two rate types - constant valid for the entire policy period and rates applicable for different policy periods according to customer behavior

Vision Engine consists of two components: Personal Documents data extraction (provides technology that replaces traditional data entry based on text retrieval from personal documents - Passports, Personal IDs, Car documents, Credit Cards, etc.) and Recognizing and assessing car damages (provides the ability to automatically decide how damage is estimated and determines whether the damage will be manually processed or can become payable based on an automatic assessment)

Dynamic Premium Calculation integrates the requirements of modern usage-based products, that need periodical premium calculations, based on IоT, and the traditional constant annual premium calculation

Open environment for using Cloud solutions/SaaS that ensures the ability to use services and platforms available on public clouds (CRM, billing, ML algorithms, etc.)

Key Benefits

  • Allows to base the innovation and digitalization strategy on the ecosystem, supported by many partners
  • Provides an incremental, step-by-step approach for enhancing/replacing the old PAS environment
  • Guarantees low risk, manageability, and flexibility due to avoiding dependency on one vendor by building an ecosystem of various vendors, and freedom to consider many business and technological solutions
  • Ensures high scalability and public cloud compatible environment due to the microservice architecture
  • Preserves most of the existing insurance company employee’s user experience - no need in additional training as the reports, printouts, back-office UI remains the same
  • ​Improves customer experience in policy management and claim settlement by changing the UI, related to the omnichannel self-service
  • Guarantees business continuity and distribution of the investment in a long period
  • Provides tangible results in a short period