Life, non-life, health, and reinsurance carriers across the region operate on ageing policy-administration systems, manual claims workflows, and underwriting engines that were written before predictive analytics existed. Our Insurance practice modernises the operating stack — from quote to claim — under IFRS 17 and GDPR compliance.
Most insurers in Kosova, Albania, North Macedonia, Montenegro, and Bosnia & Herzegovina operate on policy-administration systems built in a pre-digital era — supplemented by Excel, paper documents, and email-based workflows between underwriters, assessors, brokers and customers. A claim that takes 14 days in the best case can take 60 in the worst.
The combined pressure of IFRS 17 adoption, digital-first consumer expectations, and new entrants targeting insurance as a technology play is forcing structural change. Boards are asking how much the operating model can be automated before headcount growth becomes untenable — and how much competitive pricing can be sustained without AI-driven underwriting and fraud models.
Our Insurance practice rebuilds the stack end-to-end — policy administration, claims orchestration, underwriting analytics, customer self-service, actuarial platforms, and IFRS 17 reporting — typically sequenced as waves rather than big-bang programmes. The first wave pays for the next.
These are the offerings we most frequently deliver for Insurance clients — drawn from our twelve capabilities, twelve solutions, and four platforms, shaped to this sector's regulatory, operational and commercial specifics.
Replacement or modernisation of legacy policy-administration systems — phased roll-out across life, non-life, and health portfolios.
End-to-end claims digitisation — FNOL, document capture, assessment workflow, settlement, and payment — with straight-through processing for simple claims.
Underwriting engines with ML-assisted risk scoring — rule-plus-model hybrid, explainable, auditable, integrated with the policy platform.
Self-service portals, mobile claim submission, quote-to-bind journeys — integrated with broker channels and bancassurance partners.
Claims-fraud detection — linked-network analysis, anomaly detection, image-based fraud (vehicle, property) — with case management.
End-to-end IFRS 17 readiness — data foundation, actuarial engine integration, disclosure reporting, audit preparation.
Broker portals, agent commission systems, channel analytics, and quote-to-bind integrations across distribution partners.
Policy, claims, underwriting, and channel data unified in a governed platform — for actuarial, regulatory, and commercial analytics.
Application managed services for policy admin, claims, channels, and regulatory platforms — with SLAs tuned for the insurance operating cycle.
DORA-aligned operational resilience programmes — ICT risk management, third-party concentration risk, incident classification and reporting, threat-led penetration testing — for insurers operating in EU or under EU equivalents.
Every Digital Enterprise engagement follows the same reference architecture — adapted to your scale, cloud posture, and compliance requirements. This is the stack-level view we present to steering committees and auditors.
Our Insurance engagements draw on these four capabilities most frequently. Each is its own practice with dedicated leads, certified engineers, and standing sector playbooks.
Every Insurance engagement starts from a specific trigger. These are the four we see most often — the conversation usually begins at one of them.
Typical: data foundation not yet aligned, actuarial engine not integrated with GL, disclosure workflows manual. 9–14 month programme with audit pass as the delivery gate.
Document capture, workflow orchestration, STP on low-complexity claims, assessor mobile app, payment integration. Typical result: 60–80% cycle-time reduction.
Mobile-first quote-to-bind journey, regulated KYC, policy fulfillment, self-service claims. 6–9 months to market.
Linked-network fraud detection, image-based fraud screening, case management. Typical: 25–40% reduction in fraudulent payouts within year one.
Digital Enterprise is platform-agnostic by design — we lead with the right tool for your scale and compliance load, not the one that pays us the highest margin. Our engineers hold certifications with every major vendor in this space.
Phased core banking modernisation across three subsidiaries — delivered against a central-bank audit deadline, a fixed-scope contract, and a zero-downtime commitment the steering committee demanded. The case study documents the scope, risks, and bankable business case.
A focused conversation with the senior partner who leads our Insurance practice — plus your CEO or CIO. We frame the opportunity, the risk envelope, and the engagement shape, then agree whether there is a fit before any proposal is drafted.