We modernize insurance core systems through BPM-driven orchestration, decision automation, and API-based integration, enabling insurers to evolve policy administration, claims handling, underwriting, and compliance processes without disrupting legacy platforms.
By combining process orchestration (BPMN), case management (CMMN), and decision modeling (DMN), insurers gain greater efficiency, transparency, auditability, and regulatory compliance. Platforms such as Flowable and IBM watsonx support the modernization of claims, underwriting, and customer service processes while preserving stability in core systems.
Digital transformation in insurance requires more than isolated automation—it demands end-to-end process orchestration across policy, claims, payments, and external partners. Using BPM-driven workflows and case management, insurers can standardise high-volume claims processes while retaining the flexibility required to manage complex or exceptional cases.
With platforms such as Flowable, claims workflows can be modelled, orchestrated, and continuously improved using BPMN and CMMN standards. Integrated decision automation ensures consistent handling, while full audit trails support FINMA-aligned transparency and compliance.
Swiss insurers operate across multiple customer and intermediary channels. Process orchestration platforms enable consistent customer journeys by coordinating digital self-service, contact-centre interactions, and back-office processes within a single, governed workflow.
Through workflow automation and case-based handling, customer inquiries and service requests are routed efficiently, with clear ownership and escalation paths. Integration with IBM watsonx can further support intelligent routing and knowledge assistance—always within controlled, explainable processes.
Digital transformation of underwriting relies on the ability to separate decision logic from process flow. By combining BPM for orchestration with decision automation (DMN), insurers can ensure underwriting decisions are consistent, transparent, and easy to adapt as regulatory or risk requirements evolve.
Flowable enables insurers to model underwriting rules, automate standard decisions, and escalate complex cases to expert underwriters. This approach accelerates policy issuance while maintaining explainability and governance—key requirements for Swiss insurance operations.
In a regulated environment, digital transformation must strengthen—not weaken—control. Case management and process orchestration provide insurers with a structured way to manage compliance activities, regulatory inquiries, and risk events.
By integrating decision automation with operational workflows, insurers gain greater visibility into risk exposure and operational performance. Advanced analytics and insights supported by IBM watsonx can be embedded into governed processes, enabling proactive risk management without compromising auditability or accountability.
Digital transformation enables insurers to design personalised customer journeys across the policy lifecycle while maintaining full regulatory oversight. Process orchestration platforms coordinate interactions, decisions, and communications, ensuring each step follows approved rules and documented processes.
By combining Flowable’s orchestration and case management capabilities with decision logic and trusted analytics, insurers can deliver relevant, timely experiences while respecting Swiss data-protection and compliance requirements.
Forty2 have been at the forefront of contributing to the development of an Insurance Digital Contract Management Platform, which automates contract lifecycle processes and performs intelligent cover checks for insurance claims.
With years of platform development experience, we have been :
• Working as a full-stack developer, implementing backend services in C#, F#, and Haskell, and developing responsive user interfaces using React.js and TypeScript
• Designing and building AI-driven agents powered by Large Language Models (LLMs) using Python and LangChain, automating key stages of the contract creation to enhance efficiency and reduce manual workload
• Developing and maintaining cloud-native microservices deployed on Microsoft Azure, with container orchestration through Kubernetes and inter-service communication via gRPC
• Implementing CI/CD pipelines and DevOps best practices to ensure reliability, test automation, and smooth deployment workflows
• Collaborating with cross-functional and international teams to deliver scalable, data-driven solutions that support Yarowa's digital transformation strategy within the insurance and property management sectors
• Key technologies: .NET Core, C#, F#, Haskell, Python, LangChain, AI Agents, Microservices, gRPC, React.js, TypeScript, MongoDB, Azure, Kubernetes, Linux, CI/CD, Cloud Computing
The result has been a key enabler for the insurance industry using this platform to manage the a variety of insurance contracts for large client bases covering multiple insurance sectors.
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Yarowa - Digital solutions for the claims process of insurance companies
